Lasse Glassen | Addo, IR |
Jeff Hilzinger | President & CEO |
Taylor Kamp | SVP & CFO |
Lou Maslowe | SVP & Chief Risk Officer |
Chris York | JMP Securities |
Nick Grant | KBW |
Bill Dezellem | Tieton Capital Management |
Greetings, and welcome to the Marlin Business Services Corp Fourth Quarter and Full Year 2017 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Lasse Glassen, Investor Relations for Marlin Business Services.