Change is not new, it’s merely the new norm. Within our 2018 Sustainability Report you’ll see that Alliance Data is embracing change by rethinking, re-strategizing and creating shared value for our associates, clients, investors, communities and other key stakeholders. Our approach to Environmental, Social and Governance (ESG) matters illustrates our commitment to ensuring we are well-positioned for the future. In today’s shifting business environment, we must continue to invest in practices that meet or exceed stakeholder expectations, effectively manage risk and enable us to focus on long-term growth and sustainability.