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Elevate Credit's (ELVT) CEO Kenneth Rees on Q4 2018 Results - Earnings Call Transcript

Feb. 11, 2019 9:55 PM ETElevate Credit, Inc. (ELVT)
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Elevate Credit (NYSE:ELVT) Q4 2018 Results Earnings Conference Call February 11, 2019 5:00 PM ET

Company Participants

Al Comeaux - Chief Communications Officer

Kenneth Rees - Chairman and Chief Executive Officer

Christopher Lutes - Chief Financial Officer

Conference Call Participants

David Scharf - JMP Securities

John Hecht - Jefferies

Eric Wasserstrom - UBS

Brian Hogan - William Blair


Greetings, and welcome to the Elevate Fourth Quarter and Full-Year 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded.

I would now like to turn the conference over to you, Al Comeaux, Chief Communications Officer. Thank you, please begin.

Al Comeaux

Good afternoon, and thanks for joining us on Elevate's fourth quarter and full-year 2018 earnings conference call. Earlier today, we issued a press release with our fourth quarter and full-year-2018 results. A copy of the release is available on our website at elevate.com/investors. Today's call is being webcast and is accompanied by a slide presentation, which is also available on our website.

Please refer now to Slide 2 of that presentation. Our remarks and answers will include forward-looking statements within the meaning of the Private Securities Litigation Reform Act. These forward-looking statements are subject to risks that could cause actual results to be materially different from those expressed or implied by such forward-looking statements.

These risks include, among others, matters that we have described in our press release issued today, our most recent quarterly report on Form 10-Q and other filings we make with the SEC. Please note that all forward-looking statements speak only as of the date of this call, and we disclaim any obligation to update these forward-looking statements.

During our call today, we will

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