Bob Ramsey | Head, Investor Relations |
Jay Sidhu | Chief Executive Officer |
Dick Ehst | President and COO |
Carla Leibold | Chief Financial Officer |
Luvleen Sidhu | President and CSO, BankMobile |
Michael Perito | KBW |
Steve Moss | B. Riley FBR |
Russell Gunther | D.A. Davidson |
Frank Schiraldi | Sandler O’Neill & Partners |
Bill Dezellem | Tieton Capital Management |
Good afternoon. And welcome to the Fourth Quarter 2018 Customers Bancorp Incorporated Earnings Call. Today’s call is being recorded. At this time, I would like to turn the call over to Mr. Bob Ramsey, Head of Investor Relations for Customers Bancrop.