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Operator
Good morning, and welcome to the World Acceptance Corporation- sponsored Third Quarter Press Release Conference Call. This call is being recorded. [Operator Instructions].
Before we begin, the Corporation has requested that I make the following announcement. The comments made during this conference may contain certain forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 that represents the Corporation s expectations and beliefs concerning future events. Such forward-looking statements are about matters that are inherently subject to risks and uncertainties. Statements other than those of historical facts, as well as those identified by the words, anticipate, estimate, intend, plan, expect, believe, may, will and should and any variation of the foregoing and similar expressions are forward-looking statements. ....

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