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Discover Financial Services (DFS) Q3 2015 Results - Earnings Call Transcript


Good day, ladies and gentlemen, and welcome to the Discover Financial Services Third Quarter 2015 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. As a reminder, this conference is being recorded.

I would like to introduce your host for today's conference, Bill Franklin, Head of Investor Relations. You may begin your conference, sir.

Bill Franklin - Vice President-Investor Relations

Thank you, Michelle. Good afternoon, everyone. We appreciate all of you for joining us.

Let me begin, as always, with slide two of our earnings presentation, which is in the Investor Relations section of

Our discussion today contains certain forward-looking statements about the company's future financial performance and business prospects, which are subject to risks and uncertainties and speak only as of today. Factors that could cause actual results to differ materially from these forward-looking statements are set forth within today's earnings press release, which was provided to the SEC today in an 8-K report, and in our 10-K and 10-Q, which are...">More