Jeff Chesnut | executive |
Mitchell E. Fadel | executive |
Fahmi Karam | executive |
Kyle Joseph | analyst |
Robert Griffin | analyst |
Bradley Thomas | analyst |
Anthony Chukumba | analyst |
Alex Fuhrman | analyst |
Hale Holden | analyst |
Good day, and thank you for standing by. Welcome to the Fourth Quarter 2023 Upbound Group Earnings Conference Call. [Operator Instructions]. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Jeff Kasta, Head of Investor Relations.