Chad Prashad | President & Chief Executive Officer |
Johnny Calmes | CFO & Strategy Officer |
Vincent Caintic | Stephens |
John Rowan | Janney |
Good morning, and welcome to the World Acceptance Corporation sponsored fourth quarter press release conference call. This call is being recorded. [Operator Instructions] Before we begin, the corporation has requested that I make the following announcement. These comments made during the conference call may contain certain forward-looking statements within the meaning of the Section 21E of the Securities Exchange Act of 1934 that represent the corporation's expectations and beliefs concerning future events. Such forward-looking statements are about matters that are inherently subject to risks and uncertainties.