Matt Keating | Investor Relations |
Don Gayhardt | Chief Executive Officer |
Bill Baker | President and Chief Operating Officer |
Roger Dean | Chief Financial Officer |
Bob Napoli | William Blair |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
John Rowan | Janney |
Vincent Caintic | Stephens |
Good day, and welcome to the CURO Holdings Fourth Quarter 2021 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] Please note, today’s event is being recorded. I’d now like to turn the conference over to Matt Keating with Investor Relations.