Donald Gayhardt | President, CEO and Director |
Roger Dean | Executive VP, CFO and Treasurer |
Gar Jackson | Investor Relations |
William Baker | Executive VP and COO |
Vincent Albert Caintic | Stephens Inc. |
Robert Paul Napoli | William Blair |
Moshe Ari Orenbuch | Credit Suisse |
John Hecht | Jefferies |
John J. Rowan | Janney |
Good morning, and welcome to the CURO Group Holdings Second Quarter 2018 Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Gar Jackson, Investor Relations for CURO. Please go ahead.
Thank you, and good morning, everyone.