Vicky Nakhla | AdvisIRy Partners |
Ralph Andretta | President & CEO |
Tim King | EVP & CFO |
Sanjay Sakhrani | KBW |
Andrew Bauch | Wolfe Research |
Bob Napoli | William Blair |
Eric Wasserstrom | UBS |
David Scharf | JMP Securities |
Dominic Gabriele | Oppenheimer |
William Ryan | Compass Point |
Mihir Mehta | Bank of America |
John Hecht | Jefferies |
Good morning. And welcome to Alliance Data's Second Quarter 2020 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] Please be advised, that today’s call is being recorded.