Dan Schulman | CEO |
Gabrielle Rabinovitch | Investor Relations |
John Rainey | CFO |
Tien-Tsin Huang | JP Morgan |
Lisa Ellis | MoffettNathanson |
David Togut | Analyst |
Colin Sebastian | Analyst |
Darrin Peller | Wolfe Research |
James Faucette | Morgan Stanley |
Jason Kupferberg | Bank of America |
Good afternoon. My name is Mel and I will be your conference operator for today. At this time, I would like to welcome everyone to PayPal Holdings Earnings Conference Call for the Third Quarter 2021. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session.