Gar Jackson | IR |
Donald Gayhardt | President, CEO & Director |
Roger Dean | EVP, CFO & Treasurer |
William Baker | EVP & COO |
Robert Napoli | William Blair & Company |
Moshe Orenbuch | Crédit Suisse |
John Hecht | Jefferies |
Vincent Caintic | Stephens Inc. |
John Rowan | Janney Montgomery Scott |
Hugh Miller | Buckingham |
Good morning, and welcome to the CURO Group Holdings Third Quarter 2019 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.