Darby Schoenfeld | Vice President of Investor Relations |
Kevin Stevenson | President and Chief Executive Officer |
Pete Graham | Executive Vice President and Chief Financial Officer |
Hugh Miller | Buckingham Research Group |
Eric Hagen | Keefe Bruyette and Woods |
Mark Hughes | SunTrust Robinson Humphrey |
David Scharf | JMP Securities |
Bob Napoli | William Blair & Company |
Dominick Gabreile | Oppenheimer & Co. Inc. |
Good afternoon and welcome to the PRA Group Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Ms.