Barbara Callahan | Head, IR |
Ellen Alemany | Chairwoman and CEO |
John Fawcett | CFO |
Moshe Orenbuch | Credit Suisse |
Eric Wasserstrom | UBS |
Chris Kotowski | Oppenheimer |
Arren Cyganovich | Citi |
Scott Valentin | Compass Point |
Vincent Caintic | Stephens |
Good morning, and welcome to CIT's First Quarter 2019 Earnings Conference Call. My name is Andrew, and I will be your operator today. At this time, all participants are in a listen-only mode. There will be a question-and-answer session later in the call. [Operator Instructions] As a reminder, this conference call is being recorded.