Vicky Nakhla | AdvisIRy Partners |
Charles Horn | Acting CEO, Executive Vice President and Vice Chairman |
Tim King | Executive Vice President and Chief Financial Officer |
Sanjay Sakhrani | KBW |
Darrin Peller | Wolfe Research |
Andrew Jeffrey | SunTrust Robinson Humphrey |
Bob Napoli | William Blair |
Dominick Gabriele | Oppenheimer & Co. Inc |
David Scharf | JMP Securities |
Ashish Sabadra | Deutsche Bank AG |
Eric Wasserstorm | UBS |
Ryan Cary | Bank of America. |
Vincent Caintic | Stephens, Inc. |
John Coffey | Susquehanna |
Darrin Perlin | RBC Capital Markets |
William Nance | Goldman Sachs |
Good morning. And welcome to the Alliance Data's Fourth Quarter and Full Year 2019 Earnings Conference Call. At this time, all parties have been placed on a listen-only mode.
Following today's presentation, the floor will be opened for your questions. [Operator Instructions] In order to view the company's presentation on the website, please remember to turn off the pop-up blocker on your computer.