Alliance Data Systems Corp at Morgan Stanley US Financials, Payments & Commercial Real Estate Conference (Virtual) Transcript
Thanks, everybody, for joining us. Before we get started, I have a quick disclosure to read, and then I'll get started. For important disclosures, please see the Morgan Stanley research disclosure website at www.morganstanley.com/researchdisclosures. If you have any questions, please reach out to your Morgan Stanley sales representative.
So today, we're happy to welcome Ralph Andretta, CEO of Alliance Data Systems to our conference. Ralph has been CEO of ADS for almost 1.5 years now. And I think it's safe to say he's been through one of the more eventful periods ever for someone starting off the CEO of a company. Ralph, welcome, and I believe this is your first time coming to our conference.
Yes, Jeff, thank you. And I will say, I did have 3 good weeks before the pandemic hit. So it was fine. And I
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