Alliance Data NYSE: ADS ©2020 ADS Alliance Data Systems, Inc. Confidential and Proprietary First Quarter 2020 Results April 23, 2020 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "est ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-1429215 ...

Alliance Data Systems Corporation (ADS) Q4 2019 Earnings Conference Call January 30, 2020 8:30 AM ET Company Participants Vicky Nakhla - AdvisIRy Partners Charles Horn - Acting CEO, Executive Vice President and Vice Chairman Tim King - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Darrin Peller - Wolfe Research Andrew Jeffrey - SunTrust Robinson Humphrey Bob Napoli - William Blair Dominick Gabriele - Oppenheimer & Co. Inc David Scharf - JMP Securitie ...

Alliance Data NYSE: ADS ©2020 ADS Alliance Data Systems, Inc. Confidential and Proprietary Full Year 2019 Results January 30, 2020 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "estim ...

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-1429215 (S ...

Financial Data and Key Metrics Changes - Revenue increased by 1% to $1.44 billion, while EPS decreased to $2.41 per share due to restructuring charges and early debt retirement costs [15][17][29] - The company projected end-of-period receivables to be approximately $19.5 billion, down from the previous quarter forecast, with Q3 ending position at $17.9 billion [14][29] Business Line Data and Key Metrics Changes - LoyaltyOne reported a revenue decrease of 6% to $246 million, but adjusted for foreign exchange and presentation changes, revenue increased by 1% [19] - Card Services revenue was up 3%, marking a turnaround from a 4% decline in the previous quarter, with average receivables increasing and yields stabilizing [21][22] Market Data and Key Metrics Changes - The company has shifted its focus to healthier verticals, with over 60% of card receivables now coming from these newer verticals, up from less than half in 2016 [12][13] - New vintages now account for over 35% of card receivables, indicating a strategic shift towards growth in vibrant brands [13] Company Strategy and Development Direction - The company is undergoing a transformation to streamline operations and focus on differentiated value, aiming for consistent, sustainable growth [6][7] - Future growth is expected to come from expanding into new markets and leveraging emerging brands, with a commitment to technology and digital solutions [9][10] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenges faced during the transformation but emphasized tangible progress and a commitment to improving the business model [5][28] - The outlook for 2020 includes expectations for lower operating expenses, low single-digit revenue growth, and mid- to high 20% growth in core EPS [30][31] Other Important Information - The company completed its corporate restructuring related to the Epsilon sale, with a focus on maintaining a healthy balance sheet and exploring strategic investments [28][39] - Management indicated that they are committed to cleaning up the balance sheet by disposing of held-for-sale portfolios [61] Q&A Session Summary Question: Clarification on guidance data points for revenues and expenses - Management acknowledged potential risks to EPS targets if the Fed lowers rates further, but expects yields to remain flat [34][35] Question: Capital management and board changes - Capital ratios are managed across three buckets: balance sheet health, strategic investments, and stock repurchases [39][40] Question: Portfolio acquisitions and health - Current guidance does not include large-scale acquisitions, but there is potential for healthy new vintages in 2020 [44] Question: Revenue and earnings growth rate - Long-term growth is expected to be high single digits for both revenue and throughput, with operating leverage driving low double-digit earnings growth [48][51] Question: Risk management and portfolio health - The company monitors the financial health of brands closely and has factored potential brand failures into their long-term plans [53] Question: Held-for-sale portfolio timing - Management is actively negotiating on portfolios and aims to clean up the balance sheet by year-end [61] Question: Core EPS outlook and GAAP translation - Core EPS improvements are expected to align closely with GAAP earnings, with no significant differences anticipated [64] Question: Reserve build and growth expectations - The increase in reserves is primarily due to higher receivables, with stable credit metrics expected moving forward [66]

Alliance Data NYSE: ADS ©2019 ADS Alliance Data Systems, Inc. Confidential and Proprietary Third Quarter 2019 Results October 24, 2019 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "e ...

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-1429215 (State ...

Alliance Data Systems Corp (ADS) Q2 2019 Earnings Conference Call July 18, 2019 8:30 AM ET Company Participants Viktoriia Nakhla - AdvisIRy Partners Robert Minicucci - Non-Executive Chairman Melisa Miller - President, CEO & Director Charles Horn - EVP & Vice Chairman Timothy King - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Darrin Peller - Wolfe Research Robert Napoli - William Blair & Company Andrew Jeffrey - SunTrust Robinson Humphrey Jason Deleeuw - Piper Jaffray Companies William Nance ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Large accelerated filer ☑ Accelerated filer ☐ FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in ...