Viktoriia Nakhla | AdvisIRy Partners |
Edward Heffernan | President, CEO & Director |
Charles Horn | EVP & CFO |
Sanjay Sakhrani | KBW |
Darrin Peller | Wolfe Research |
Ramsey El-Assal | Barclays Bank |
Dominick Gabriele | Oppenheimer |
Robert Napoli | William Blair & Company |
Andrew Jeffrey | SunTrust Robinson Humphrey |
Good morning, and welcome to the Alliance Data Fourth Quarter and Full Year 2018 Earnings Conference Call. [Operator Instructions]. In order to view the company's presentation on their website, please remember to turn off your pop-up blockers on your computer. It is now my pleasure to introduce your host for today, Ms. Vicky Nakhla of AdvisIRy Partners.