Darby Schoenfeld | Vice President of Investor Relations |
Kevin Stevenson | President and Chief Executive Officer |
Pete Graham | Executive Vice President and Chief Financial Officer |
Dominick Gabriele | Oppenheimer |
Eric Hagen | KBW |
Robert Dodd | Raymond James |
David Scharf | JMP |
John Rowan | Janney |
Mark Hughes | SunTrust |
Good afternoon and welcome to the PRA Group Conference Call. All participants will be in a listen-only mode. [Operator Instructions] I would now like to turn the conference over to Ms. Darby Schoenfeld, Vice President of Investor Relations for PR Group. Please go ahead.