Tom Capasse | Chairman and CEO |
Andrew Ahlborn | CFO |
Tim Hayes | B. Riley FBR |
Jade Rahmani | KBW |
Stephen Laws | Raymond James |
Crispin Love | Sandler O'Neill |
Steve Delaney | JMP Securities |
Christopher Nolan | Ladenburg Thalmann |
Greetings. Welcome to the Ready Capital Corporation's Fourth Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note, this conference is being recorded.