Monica Gould | Investor Relations, Managing Director at The Blueshirt Group LLC |
David Fisher | Chairman of the Board, President, Chief Executive Officer |
Steve Cunningham | Chief Financial Officer, Executive Vice President, Principal Accounting Officer, Treasurer |
David Scharf | JMP Securities |
John Rowan | Janney |
Michael Del Grosso | Jefferies |
Good afternoon and welcome to the Enova International third quarter 2017 earnings conference call. All participants will be in a listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].