Charles Bradley | Chairman, President & CEO |
Jeffrey Fritz | EVP & CFO |
David Scharf | JMP Securities |
John Rowan | Janney Montgomery Scott |
Kyle Joseph | Jefferies |
Good day, everyone, and welcome to the Consumer Portfolio Services 2018 Third Quarter Operating Results conference call. Today's call is being recorded.
Before we begin, management has asked me to inform you that this conference call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Any statements made during this call that are not statements of historical fact may be deemed to be forward-looking statements. Such forward-looking statements are subject to certain risks that could cause actual results to differ materially from those projected.