Cassidy Fuller | Investor Relations, The Blueshirt Group |
David Fisher | Chief Executive Officer |
Steve Cunningham | Chief Financial Officer |
David Scharf | JMP Securities |
John Rowan | Janney |
Vincent Caintic | Stephens |
John Hecht | Jefferies |
Good afternoon and welcome to the Enova International Fourth Quarter 2021 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Ms.