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Operator Good morning and welcome to Alliance Data s Full Year and Fourth Quarter 2012 Earnings Conference Call. [Operator Instructions] It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Alliance Data. Sir, the floor is yours. Brian Vereb Investor Relations Thank you, Casey. Copies of the slides we will be reviewing and the earnings release can be found on the Investor Relations section of our website. On the call today, we have Ralph Andretta, President and Chief Executive Officer of Alliance Data and Tim King, Executive Vice President and Chief Financial Officer of Alliance Data. ....