Gabrielle Rabinovitch | Head-Investor Relations |
Dan Schulman | President and Chief Executive Officer |
John Rainey | Chief Financial Officer and Executive Vice President-Global Customer Operations |
Tien-Tsin Huang | JPMorgan |
Bryan Keane | Deutsche Bank |
Jason Kupferberg | Bank of America Merrill Lynch |
Darrin Peller | Wolfe Research |
David Togut | Evercore |
Lisa Ellis | MoffettNathanson |
Heath Terry | Goldman Sachs |
Good day, ladies and gentlemen, and welcome to PayPal’s Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions]
I would now like to introduce your host for today’s call, Ms.