Bread Financial (NYSE:BFH) FY Conference September 09, 2025 11:15 AM ET Company ParticipantsPerry Beberman - Executive VP & CFORalph Andretta - CEO, President & DirectorConference Call ParticipantsTerry Ma - Senior Equity Research AnalystTerry MaThank you for joining, everyone. My name is Terry Ma. I cover consumer finance at Barclays. I'm very pleased to have on stage Ralph Andretta, CEO of Bread Financial, and also Perry Beberman, CFO of Bread Financial. Thank you for joining.Perry BebermanThank you.Terry ...