Vikki Nakhla | Senior Associate-Investor Relations |
Ed Heffernan | President and Chief Executive Officer |
Charles Horn | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Darrin Peller | Wolfe Research |
Andrew Jeffrey | SunTrust |
Bob Napoli | William Blair |
David Togut | Evercore ISI |
Jason Deleeuw | Piper Jaffray |
Tim Willi | Wells Fargo |
Larry Berlin | First Analysis |
Good morning, and welcome to the Alliance Data Third Quarter 2018 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] In order to view the company’s presentation on their website, please remember to turn off your pop-up blocker on your computer. It is now my pleasure to introduce your host, Ms.