Edward Sebor | FTI Consulting |
Ed Heffernan | President and Chief Executive Officer |
Charles Horn | Chief Financial Officer |
Dan Perlin | RBC Capital Markets |
Sanjay Sakhrani | KBW |
Darrin Peller | Barclays |
Ramsey El-Assal | Jefferies |
Andrew Jeffrey | SunTrust |
Tim Willi | Wells Fargo |
Bob Napoli | William Blair |
Good morning, and welcome to the Alliance Data Third Quarter 2017 Earnings Conference Call. At this time, all parties have been placed in a listen-only-mode.
Following today's presentation, the floor will be open for your questions. [Operator Instructions] In order to view the company's presentation on their website, please remember to turn off the pop-up blocker on your computer. It is now my pleasure to introduce your host, Mr.