Garrett Edson, ICR Inc.

Thank you, and good afternoon. By now, everyone should have access to our earnings announcement and supplemental presentation, which were released prior to this call and are available on our website at Regionalmanagement.com.

Before we begin our formal remarks, I would like to direct your attention to Page 2 of our supplemental presentation. This page contains important disclosures regarding forward-looking statements and the use of non-GAAP financial measures.

Part of our discussion today may include forward-looking statements. These are based on management’s current expectations, estimates, and projections about the company’s future financial performance and business prospects. Please note that these forward-looking statements speak only as of today and are subject to various assumptions, risks, uncertainties, and other factors that are difficult to predict. These factors could cause actual results to differ materially from those expressed or implied in the forward-looking statements.

Please remember, these statements are not guarantees of future performance, and you should not place undue reliance upon them. For a more detailed discussion of our forward-looking statements and the risks and uncertainties that could impact our future operating results and financial condition, we refer you to our press release, supplemental presentation, and recent SEC filings.
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