Darby Schoenfeld | VP, IR |
Kevin Stevenson | President & CEO |
Pete Graham | EVP & CFO |
Robert Dodd | Raymond James |
John Rowan | Janney |
Mark Hughes | SunTrust |
Brian Hogan | William Blair |
Bose George | KBW |
Good afternoon and welcome to the PRA Group Earnings 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 follow at that time. [Operator Instructions].
As a reminder, this conference is being recorded.