Doug Busk | Chief Treasury Officer |
Moshe Orenbuch | Credit Suisse |
John Rowan | Janney Montgomery Scott |
Rob Wildhack | Autonomous Research |
John Hecht | Jefferies |
Ray Cheesman | Anfield Capital |
Christopher Ryan | Radcliffe |
Good day, everyone, and welcome to the Credit Acceptance Corporation Fourth Quarter 2022 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, Chief Treasurer Officer, Doug Busk.
Thank you.