Hal Schwartz | SVP, General Counsel and Secretary |
Craig Knutson | President and CEO |
Steve Yarad | CFO |
Gudmundur Kristjansson | SVP |
Bryan Wulfsohn | SVP |
Doug Harter | Credit Suisse |
Eric Hagen | KBW |
Steve Delaney | JMP Securities |
Stephen Laws | Raymond James |
Ladies and gentlemen, thank you for standing by, and welcome to the MFA Financial Inc. Fourth Quarter Earnings Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] And also as a reminder, today's teleconference is being recorded.