|Andres Viroslav||Investor Relations|
|Damian Kozlowski||Chief Executive Officer|
|Paul Frenkiel||Chief Financial Officer|
|William Wallace||Raymond James|
|Frank Schiraldi||Sandler O'Neill|
|Matthew Breese||Piper Jaffray|
Good day, ladies and gentlemen, and welcome to The Bancorp's Fourth Quarter and Full Year 2018 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] As a reminder, today's conference is being recorded. I would now like to turn the call over to Mr.