Gabrielle Rabinovitch | Vice President-Investor Relations |
Dan Schulman | President and Chief Executive Officer |
John Rainey | Chief Financial Officer and Executive Vice President-Global Customer Operations |
Darrin Peller | Wolfe Research |
Tien-Tsin Huang | JPMorgan |
Jason Kupferberg | Bank of America |
David Togut | Evercore ISI |
Heath Terry | Goldman Sachs |
Brian King | Deutsche Bank |
Lisa Ellis | MoffettNathanson |
Good afternoon. My name is Gabriel. I will be your conference operator today. At this time, I would like to welcome everyone to PayPal’s Third Quarter 2020 Earnings Conference Call. [Operator Instructions] Thank you.