|Andres Viroslav||Director, IR|
|Frank Schiraldi||Sandler O'Neill|
|William Wallace||Raymond James|
|Matthew Breese||Piper Jaffray|
Good day, ladies and gentlemen, and welcome to Bancorp Incorporated Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] And as a reminder, today's conference call is being recorded. I'd now like to turn the conference over to Andres Viroslav.