Matt Keating | Investor Relations |
Don Gayhardt | President and Chief Executive Officer |
Bill Baker | Chief Operating Officer |
Roger Dean | Chief Financial Officer |
Bob Napoli | William Blair & Company |
John Hecht | Jefferies |
Moshe Orenbuch | Credit Suisse |
John Rowan | Janney |
Vincent Caintic | Stephens |
Good morning, and welcome to CURO Group Holdings Third Quarter 2020 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] Please note this event is being recorded. I’d now like to turn the conference over to Matt Keating, Investor Relations for CURO.