|Damian Kozlowski||CEO, President & Director|
|Paul Frenkiel||EVP, Strategy, Secretary & CFO|
|Andres Viroslav||Director, IR|
|William Wallace||Raymond James & Associates|
|Frank Schiraldi||Piper Sandler & Co.|
Ladies and gentlemen, thank you for standing by, and welcome to The Bancorp, Inc. Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions].
I would now like to hand the conference over to your speaker today, Mr. Andres Viroslav.