Alliance Data Systems(BFH) - 2020 Q3 - Earnings Call Transcript

Alliance Data Systems Corporation (ADS) Q3 2020 Earnings Conference Call October 29, 2020 8:30 AM ET Company Participants Vicky Nakhla - AdvisIRy Partners Ralph Andretta - President & CEO Tim King - EVP & CFO Conference Call Participants Ryan Nash - Goldman Sachs Mihir Bhatia - Bank of America Sanjay Sakhrani - KBW Bob Napoli - William Blair David Scharf - JMP Securities William Ryan - Compass Point Jeff Adelson - Morgan Stanley Michael Young - Truist Securities Operator Good morning and welcome to Alliance ...