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.