EZCORP, Inc.

Good morning, ladies and gentlemen. Welcome to the EZCorp third fiscal quarter 2024 earnings call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. As a reminder, this call may be recorded. I'd now like to turn the conference over to Sean Mansouri, the company's investor relations advisor with Elevate IR.

Please go ahead, Sean. Thank you, and good morning, everyone.

During our prepared remarks, we will refer to slides which are available for viewing or download from our website at investors.easycorp.com. Before we begin, I'd like to remind everyone that this conference call, as well as the presentation slides, contain certain forward-looking statements regarding the company's expected operating and financial performance for future periods. These statements are based on the company's current expectations. Actual results for future periods may differ materially from those expressed due to a number of risks or other factors that are discussed in our annual, quarterly, and other reports filed with the Securities and Exchange Commission. As noted in our presentation materials, and unless otherwise identified, results are presented on an adjusted basis to remove the effect of foreign currency fluctuations and other discreet items. Joining us on the call today are EZ Corp's Chief Executive Officer, Lockie Givens, and Tim Jugmans, Chief Financial Officer. I'll now turn the call over to Lockie Givens. Lockie?