Vicky Nakhla | AdvisIRy Partners |
Ralph Andretta | President & CEO |
Tim King | EVP & CFO |
Sanjay Sakhrani | KBW |
Darrin Peller | Wolfe Research |
Bob Napoli | William Blair |
Andrew Jeffrey | SunTrust |
Ryan Cary | Bank of America |
Dan Perlin | RBC Capital Markets |
Eric Wasserstorm | UBS |
Ashish Sabadra | Deutsche Bank |
Tim Willi | Wells Fargo |
Good morning. And welcome to Alliance Data's First Quarter 2020 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].