Don Gayhardt | CEO |
Bill Baker | President and COO |
Roger Dean | EVP, CFO and Acting Principal Accounting Officer |
Matthew Keating | IR |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jeffries |
Spencer James | William Blair |
Vincent Caintic | Stephens |
Hello, and welcome to the CURO Holdings Third Quarter 2021 Conference Call. All participants will be in listen-only mode. [Operator Instructions]. Please note, today’s event is being recorded. And now I’d like to turn the conference over to Matthew Keating, Investor Relations.