Douglas Busk | Treasurer |
Brett Roberts | Chief Executive Officer |
John Rowan | Janney Montgomery Scott LLC |
Moshe Orenbuch | Credit Suisse |
Kyle Joseph | Jefferies Group LLC |
Robert Wildhack | Autonomous Research LLP |
Vincent Caintic | Stephens Inc. |
Randy Heck | Goodnow Investment Group |
Good day, everyone, and welcome to the Credit Acceptance Corporation Third Quarter 2020 Earnings Call. Today's call is being recorded. A webcast and transcript of today's earnings call will be made available on Credit Acceptance's website. At this time, I would like to turn the call over to Credit Acceptance's Chief Treasury Officer, Mr. Doug Busk.