Darby Schoenfeld | Vice President-Investor Relations |
Kevin Stevenson | President and Chief Executive Officer |
Pete Graham | Executive Vice President and Chief Financial Officer |
Mark Hughes | SunTrust |
David Scharf | JMP Securities |
Eric Hagen | KBW |
Robert Dodd | Raymond James |
Dominick Gabriele | Oppenheimer |
Welcome to the PRA Group Conference Call. All participants are in a listen-only mode. There will be a presentation followed by a question-and-answer session. [Operator Instructions] Please note that this call is being recorded. I would now like to hand the conference over to Ms.