David Fisher | CEO |
Steve Cunningham | CFO |
Lindsay Savarese | IR |
John Rowan | Janney Montgomery Scott |
David Scharf | JMP Securities |
Vincent Caintic | Stephens, Inc. |
John Hecht | Jefferies |
Good afternoon and welcome to the Enova International fourth and full year quarter 2017 earnings conference call. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].