Q3 2024 Bread Financial Holdings Inc Earnings Call Transcript
Good morning and welcome to Bread Financial third quarter, 2024 earnings conference call. My name is Michelle and I'll be coordinating your call today. At this time. All parties have been placed on listen-only mode following today's presentation. The floor will be open for your questions to register a question. [Operators Instructions]
It is now my pleasure to introduce Mr. Brian Vereb, head of Investor Relations at Red Financial. The floor is yours.
Thank you, Copies of the slides we'll be reviewing, and the earnings release can be found in the investor relations section of our website at breadfinancial.com. On the call today, we have Ralph Andretta, President and Chief Executive Officer and Perry Beberman, Executive Vice President and Chief Financial Officer. Before we begin, I would like to remind you that some of the comments made on today's call and some of the responses to your questions may contain forward-looking statements.
These statements are based on management's
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