Doug Clark | CEO |
Izzy Dawood | CFO |
Tamara Schulz | CAO |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies Group |
John Rowan | Janney Montgomery Scott |
Vincent Caintic | Stephens Inc. |
Good day, and welcome to the CURO Holdings fourth quarter 2022 conference call. All participants will be in a listen-only mode. [Operator Instructions] Please note, this event is being recorded.
I'd now like to turn the conference over to Tamara Schulz, Chief Accounting Officer. Please go ahead.