Chad Prashad | President, CEO & Director |
John Calmes | EVP, CFO, Chief Strategy Officer & Treasurer |
Kyle Joseph | Jefferies & Company |
John Rowan | Janney Montgomery |
Good morning, and welcome to the World Acceptance Corporation Sponsored Fourth Quarter Press Release Conference Call. [Operator Instructions] This call is being recorded. At this all participants have been placed in listen-only mode.
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 represents the Corporation's expectations and beliefs concerning future events.