Matt Keating | IR |
Don Gayhardt | CEO |
Bill Baker | President and COO |
Roger Dean | EVP and CFO |
Moshe Orenbuch | Credit Suisse |
Kyle Joseph | Jefferies |
John Rowan | Janney Montgomery Scott |
Robert Napoli | William Blair & Company |
Vincent Caintic | Stephens, Inc |
Good morning and welcome to CURO Group Holdings Fourth Quarter and Full Year 2020 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].