Garrett Edson | SVP, ICR |
Peter Knitzer | President and CEO |
Don Thomas | EVP and CFO |
Maja Feenick | KBW |
David Scharf | JMP Securities |
John Rowan | Janney |
Giuliano Bologna | BTIG |
Bill Dezellem | Tieton Capital |
Thank you for standing by. This is the conference operator. Welcome to the Regional Management First Quarter 2019 Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to Garrett Edson, Senior VP, ICR. Please go ahead.