Chad Prashad | President, CEO & Director |
John Calmes | EVP, CFO, Chief Strategy Officer & Treasurer |
Kyle Joseph | Jefferies |
John Rowan | Janney Montgomery Scott |
Vincent Caintic | Stephens Inc. |
Good morning, and welcome to the World Acceptance Corporation Sponsored Third 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 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.