Barbara Callahan | SVP & Head, IR |
Ellen Alemany | Chairwoman & CEO |
John Fawcett | EVP & CFO |
Kenneth Zerbe | Morgan Stanley |
Moshe Orenbuch | Crédit Suisse |
Eric Wasserstrom | UBS Investment Bank |
Kwun Lau | Oppenheimer |
Arren Cyganovich | Citigroup |
Good morning, and welcome to CIT's Fourth Quarter 2018 Earnings Conference Call. My name is Keith, and I will be your operator today. [Operator Instructions].
As a reminder, this conference call is being recorded. I would now like to turn the call over to Barbara Callahan, Head of Investor Relations.