Jean Marie Young | IR, Three Part Advisors |
Jason Kulas | CEO |
Tim Jugmans | CFO |
Brian Nagel | Oppenheimer |
Steve Emerson | Emerson Investment Group |
David Cayman | Cayman Wealth Management |
Good morning, ladies and gentlemen. Welcome to the EZCORP Fourth Quarter and Full Year Fiscal 2021 Earnings Call. [Operator Instructions] As a reminder, this call may be recorded. I'd now like to turn the conference over to Mr. Jean Marie Young, Investor Relations with Three Part Advisors.