Vicky Nakhla | AdvisIRy Partners |
Robert Minicucci | Chairman |
Charles Horn | EVP and Vice Chairman |
Melisa Miller | President and CEO |
Tim King | EVP and CFO |
Sanjay Sakhrani | KBW |
Darrin Peller | Wolfe Research |
Bob Napoli | William Blair |
David Scharf | JMP Securities |
Andrew Jeffrey | SunTrust Robinson Humphrey |
Dan Perlin | RBC Capital Markets |
Eric Wasserstorm | UBS |
Vincent Caintic | Stephens, Inc. |
Jamie Friedman | Susquehanna |
Good morning, and welcome to the Alliance Data Third Quarter 2019 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 Web site, please remember to turn off the pop-up blocker on your computer.
It is now my pleasure to introduce your host, Ms.