Gar Jackson | IR |
Don Gayhardt | President and CEO |
Roger Dean | CFO |
Bill Baker | COO |
Dave Strano | Chief Accounting Officer |
John Hecht | Jefferies |
Moshe Orenbuch | Credit Suisse |
Vincent Caintic | Stephens |
Bob Napoli | William Blair |
John Rowan | Janney |
Good morning, and welcome to the CURO Group Holdings Fourth 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.
Great.