Darby Schoenfeld | VP of IR |
Kevin Stevenson | President and CEO |
Pete Graham | EVP and CFO |
David Scharf | JMP Securities |
Bob Napoli | William Blair |
Eric Hagen | KBW |
Mark Hughes | SunTrust |
Robert Dodd | Raymond James |
Good day, and welcome to the PRA Group Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Darby Schoenfeld, VP of Investor Relations. Please go ahead.
Thank you.