Monica Gould | Investor Relations |
David Fisher | Chief Executive Officer |
Steve Cunningham | Chief Financial Officer |
David Scharf | JMP Securities |
John Hecht | Jefferies |
John Rowan | Janney |
Good afternoon and welcome to the Enova International Fourth Quarter and Full Year 2020 Earnings Conference Call. All participants will be listen-only mode. [Operator Instructions] Please note this event is being recorded. I'd now like to turn the conference call over to Monica Gould, Investor Relations for Enova. Please go ahead.