Andrew Ahlborn | Chief Financial Officer |
Tom Capasse | Chief Executive Officer |
Adam Zausmer | Head of Credit Risk Management |
Crispin Love | Piper Sandler |
Tim Hayes | BTIG |
Steve Delaney | JMP Securities |
Stephen Laws | Raymond James |
Randy Binner | B. Riley FBR |
Christopher Nolan | Ladenburg Thalmann |
Greetings. Welcome to Ready Capital Corporation Fourth Quarter and Full Year 2020 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 that this conference is being recorded.