Good morning, and welcome, everyone, to Medallion Financial’s 2019 Fourth Quarter and Year-End Earnings Call. By now, everyone should have access to the earnings announcement, which was released prior to this call and which also may be found on the company’s website at medallion.com.
Before we begin formal remarks, we need to remind everyone that the matters discussed on this call include forward-looking statements or projected financial information that involve risks and uncertainties that may cause the company’s actual results to differ materially from those projected in such forward-looking statements and projected financial information. These statements are not guarantees of future performance, and therefore undue reliance should not be placed upon them.
For further information on factors that could impact the company and the statements and projections contained herein, please refer to the company’s filings with the Securities and Exchange Commission.