Brian Vereb | Head, IR |
Ralph Andretta | President & CEO |
Perry Beberman | EVP & CFO |
Valerie Greer | EVP, CCO, Card Services |
Tammy McConnaughey | EVP, Operations and Credit Risk, Card Services |
Sanjay Sakhrani | KBW |
Bob Napoli | William Blair |
John Pancari | Evercore |
Bill Carcache | Wolfe Research |
Mihir Bhatia | Bank of America |
Jeff Adelson | Morgan Stanley |
Meng Jiao | Deutsche Bank |
Jon Arfstrom | RBC Capital Markets |
Dominick Gabriele | Oppenheimer |
Michael Young | Truist Securities |
Reginald Smith | JPMorgan |
David Scharf | JMP Securities |
Good morning, and welcome to Alliance Data’s Third Quarter 2021 Earnings Conference Call. My name is Daisy and I will be coordinating your call today. 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] It is now my pleasure to introduce Mr.