Daniel Rhea | Director of Public Affairs |
Jason Harvison | Chief Executive Officer |
Chris Lutes | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
David Scharf | JMP Securities |
John Hecht | Jefferies |
Michael Diana | Maxim Group |
Greetings, and welcome to Elevate Credit Inc. Full Year Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded.