Lauren Partin | Vice President of Global Financial Planning and Analysis |
Kevin Stevenson | President and Chief Executive Officer |
Peter Graham | Executive Vice President and Chief Financial Officer |
Robert Napoli | William Blair |
David Scharf | JMP Securities |
Mark Hughes | Truist Securities |
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. Lauren Partin, Senior Vice President of Finance and Investor Relations for PRA Group. Please go ahead.