Rick Herbst | Chief Financial Officer |
Tom Capasse | Chief Executive Officer |
Andrew Ahlborn | Controller |
Jade Rahmani | KBW |
Ben Zucker | BTIG |
Tim Hayes | B. Riley FBR |
Scott Valentin | Compass Point |
Christopher Nolan | Ladenburg Thalmann |
Crispin Love | Sandler O'Neill |
Raj Patel | FCM |
Greetings and welcome to the Ready Capital Corporation Fourth Quarter and Year-End 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. It is now my pleasure to turn the call over to your host Mr.