World Acceptance Corporation

Good morning, and welcome to the World Acceptance Corporation-sponsored third quarter press release conference call. This call is being recorded. At this time, all participants have been placed in a listen-only mode. 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 represent the corporation's expectations and beliefs concerning future events. Such forward-looking statements are about matters that are inherently subject to risk and uncertainties, statements other than those of historical fact, as well as those identified by the words anticipate, estimate, intend, plan, expect, believe, may, will, and should. And any variation of the foregoing or similar expressions are forward-looking statements. Additionally, information regarding forward-looking statements and any factors that could cause actual results or performance to differ are from the expectations expressed or implied in such forward-looking statements are included in the paragraph discussing forward-looking statements in today's earnings press release. And in the risk factors section of the corporation's most recent form 10-K for the fiscal year ended March 31st of 2020. And subsequent reports filed with or furnished to the SEC from time to time. The corporation does not undertake any obligation to update any forward-looking statements it makes At this time, it is my pleasure to turn the floor over to your host, Mr. Chad Prashad, President and Chief Executive Officer. Please go ahead.

Good morning, and thank you for joining us for our third quarter earnings call. Before we begin, I'd like to extend a big thank you to all of our team members. Calendar 2020 was a very challenging year, and the third quarter was our busiest quarter in company history. So I want to thank all of you for being flexible, dedicated, and helping to navigate these challenges. as we've served our communities and our customers. So thank you to you. And with that, we'll open it up for questions.

We will now begin the question and answer session. To ask a question, you may press star, then 1 on your touchtone phone. If you're using a speakerphone, please pick up your handset before pressing the keys. To withdraw your question, please press star, then 2.