Bruce Thomas | Vice President of Investor Relations |
Ashish Masih | President and Chief Executive Officer |
Jon Clark | Chief Financial Officer |
Craig Buick | Chief Executive Officer of Cabot Credit Management |
Eric Hagen | KBW |
David Scharf | JMP Securities |
Mark Hughes | SunTrust |
Brian Hogan | William Blair |
Dominick Gabriele | Oppenheimer |
Robert Dodd | Raymond James |
Ladies and gentlemen, thank you for standing by, and welcome to the Encore Capital Group's fourth quarter 2019 earnings conference call. [Operator instructions] Please be advised that today's conference is being recorded. [Operator instructions]
I would now like to hand the conference over to your speaker today, Mr. Bruce Thomas, Vice President of Investor Relations.