Brian Vereb | Head, IR |
Ralph Andretta | President & CEO |
Perry Beberman | EVP & CFO |
Robert Napoli | William Blair |
Sanjay Sakhrani | KBW |
Mihir Bhatia | Bank of America |
Jeff Adelson | Morgan Stanley |
John Pancari | Evercore ISI |
Meng Jiao | Deutsche Bank |
David Scharf | JMP Securities |
Dominick Gabriele | Oppenheimer |
Reggie Smith | JPMorgan |
Good morning, and welcome to Alliance Data Second Quarter 2021 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]. It is now my pleasure to introduce Mr.