Ralph Andretta | President & CEO |
Tammy Mcconnaughey | EVP of Operations & Credit Risk |
Brian Vereb | IR |
Sanjay Sakhrani | KBW |
Robert Napoli | William Blair |
Ryan Nash | Goldman Sachs |
Darrin Peller | Wolfe Research |
Mihir Bhatia | Bank of America |
Jeff Adelson | Morgan Stanley |
Dominick Gabriele | Oppenheimer. |
David Scharf | JMP Securities |
Good morning, and welcome to Alliance Data First Quarter 2021 Earnings Conference Call. At this time, all parties have been placed on listen-only mode. [Operator Instructions]. It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Alliance Data.