Gar Jackson | Investor Relations |
Don Gayhardt | Chief Executive Officer |
Roger Dean | Chief Financial Officer |
Bill Baker | Chief Operating Officer |
John Hecht | Jefferies |
Moshe Ari Orenbuch | Credit Suisse |
Bob Napoli | William Blair |
Vincent Caintic | Stephens |
John Rowan | Janney |
Good morning, and welcome to the CURO Group Holdings Third Quarter 2018 Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Gar Jackson, Investor Relations for CURO. Please go ahead.
Thank you, and good morning, everyone.