Al Comeaux | Chief Communications Officer |
Ken Rees | Chairman and Chief Executive Officer |
Chris Lutes | Chief Financial Officer |
John Hecht | Jefferies |
David Scharf | JMP Securities |
Eric Wasserstrom | UBS |
Moshe Orenbuch | Crédit Suisse |
Vincent Caintic | Stephens |
Michael Tarkan | Compass Point |
Bob Napoli | William Blair |
Greetings, and welcome to the Elevate Credit Third Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference your host, Al Comeaux, Chief Communications Officer.