Isabell Novakov | SVP and IR |
Jeremy Ford | President and co-CEO |
Alan White | Vice Chairman and co-CEO |
Will Furr | CFO |
Michael Young | SunTrust |
Brett Rabatin | Piper Jaffray |
Matt Olney | Stephens Inc. |
Jesus Bueno | Compass Point |
Good morning, and welcome to the Hilltop Holdings' Fourth Quarter Earnings Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] After today's presentation there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Isabell Novakov.