John Baugh | Vice President of Investor Relations |
Steve Michaels | Chief Executive Officer |
Brian Garner | Chief Financial Officer |
Ken Hill | Loop Capital |
Kyle Joseph | Jefferies |
Jason Haas | Bank of America |
Brad Thomas | KeyBanc Capital Markets |
Alex Maroccia | Berenberg |
Bobby Griffin | Raymond James |
Vincent Caintic | Stephens |
Good morning. My name is Andrea, and I will be your conference coordinator. At this time, I would like to welcome everyone to the PROG Holdings Inc. Fourth Quarter 2020 Earnings Conference Call. All lines have been placed on mute to prevent any background noise.