Mark DeRussy | VP, Finance |
Jeff Stoops | President & CEO |
Brendan Cavanagh | CFO |
Ric Prentiss | Raymond James |
Richard Choe | JPMorgan |
Nick Del Deo | MoffettNathanson |
Spencer Kurn | New Street Research |
Brett Feldman | Goldman Sachs |
Amir Rozwadowski | Barclays |
Batya Levi | UBS |
David Barden | Bank of America |
Michael Rollins | Citigroup |
Robert Gutman | Guggenheim Partners |
Matthew Niknam | Deutsche Bank |
Colby Synesael | Cowen and Company |
Amy Yong | Macquarie |
Ladies and gentlemen, thank you very much for standing by, and welcome to the SBA Fourth Quarter Results Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given to you at that time. [Operator Instructions]. Also, as a reminder, today's conference is being recorded.