Operator Thank you for standing by. This is the conference operator. Welcome to the Regional Management fourth-quarter 2020 earnings conference call. [Operator instructions] And the conference is being recorded. [Operator instructions] I would now like to turn the conference over to Garrett Edson of ICR for opening remarks. Please go ahead. Garrett Edson -- ICR Thank you, and good afternoon. By now, everyone should have access to our earnings announcement and supplemental presentation, which was released prior to this call and may be found on our website at regionalmanagement.com. Before we begin our formal remarks, I will direct you to Page 2 of our supplemental presentation, which contains important disclosures concerning forward-looking statements and the use of non-GAAP financial measures. Part of our discussion today may include forward-looking statements, which are based on management's current expectations, estimates and projections about the company's future financial performance and business prospects.