Darby Schoenfeld | Vice President-Investor Relations |
Kevin Stevenson | President and Chief Executive Officer |
Pete Graham | Executive Vice President and Chief Financial Officer |
Bob Napoli | William Blair |
David Scharf | JMP |
Robert Dodd | Raymond James |
Good afternoon, and welcome to the PRA Group Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note that this event is being recorded. I'd now like to turn the conference over to Ms. Darby Schoenfeld, Vice President of Investor Relations for PRA Group.