Darby Schoenfeld | Vice President of Investor Relations |
Kevin Stevenson | President and Chief Executive Officer |
Pete Graham | Executive Vice President and Chief Financial Officer |
David Scharf | JMP |
Mark Hughes | Truist |
Dominick Gabriele | Oppenheimer |
Robert Dodd | Raymond James |
Good afternoon, and welcome to the PRA Group Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Ms. Darby Schoenfeld, Vice President of Investor Relations for PRA Group. Please go ahead.