Mark DeRussy | VP, Finance |
Jeffrey Stoops | President and Chief Executive Officer |
Brendan Cavanagh | EVP and Chief Financial Officer |
Philip Cusick | JP Morgan |
Spencer Kurn | New Street Research |
Colby Synesael | Cowen and Company |
Simon Flannery | Morgan Stanley |
Ric Prentiss | Raymond James |
Brandon Nispel | KeyBanc Capital Markets |
Nick Del Deo | MoffettNathanson |
Brett Feldman | Goldman Sachs |
David Barden | Bank of America |
Batya Levi | UBS |
Ladies and gentlemen, thank you for standing by and welcome to the SBA Fourth Quarter Earnings Results Conference Call. At this time, all participants are in listen-only mode. Later we will conduct a question and answer session. Instructions will be given at that time. [Operator Instructions] And as a reminder, this conference is being recorded.