Discover Financial Services (NYSE:DFS) Q3 2019 Earnings Conference Call October 22, 2019 5:00 PM ET Company Participants Craig Streem – Head-Investor Relations Roger Hochschild – Chief Executive Officer John Greene – Executive Vice President, Chief Financial Officer Conference Call Participants Mark DeVries – Barclays Betsy Graseck – Morgan Stanley Don Fandetti – Wells Fargo Sanjay Sakhrani – KBW Eric Wasserstrom – UBS Ryan Nash – Goldman Sachs David Scharf – JMP Securities Rick Shane – JPMorgan Bill Carcac ...