Vicky Nakhla | AdvisIRy Partners |
Ralph Andretta | President & CEO |
Tim King | EVP & CFO |
Ryan Nash | Goldman Sachs |
Mihir Bhatia | Bank of America |
Sanjay Sakhrani | KBW |
Bob Napoli | William Blair |
David Scharf | JMP Securities |
William Ryan | Compass Point |
Jeff Adelson | Morgan Stanley |
Michael Young | Truist Securities |
Good morning and welcome to Alliance Data's Third 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 open for your questions. [Operator Instructions] In order to view the company's presentation on the website, please remember to turn off your pop-up blocker on your computer. It is now my pleasure to introduce your host, Ms.