Barry Sloane | President, Chief Executive & Founder |
Jenny Eddelson | Executive Vice President & Chief Accounting Officer |
Peter Heckmann | Davidson |
Casey Alexander | Compass Point |
Leslie Vandegrift | Raymond James |
Mickey Schleien | Ladenburg |
Good day, ladies and gentlemen, and welcome to the Newtek Business Services Corporation's Fourth Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will follow at that time. [Operator instructions] As a reminder, this conference call is being recorded. I would now like to introduce your host for today's conference, Mr.