Lasse Glassen | Managing Director, Investor Relations |
Jeff Hilzinger | President & Chief Executive Officer |
Lou Maslowe | Senior Vice President & Chief Risk Officer |
Chris York | JMP Securities |
Brian Hogan | William Blair |
Greetings, and welcome to the Marlin Business Services Corp. Fourth Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded.