James Wanserski | Interim President & CEO |
John Calmes | SVP, Treasurer & CFO |
Chad Prashad | Senior VP of Analytics and Strategy |
John Rowan | Janney |
Vincent Caintic | Stephens |
Good morning, and welcome to the World Acceptance Corporation's Sponsored Fourth Quarter Press Release Conference call. This call is being recorded. [Operator Instructions].
Before we begin, the corporation has requested that I make the following announcement. The comments made during this conference call may contain certain forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 that represent the corporation's expectations and beliefs concerning future events.