Robert Ramsey | Director, IR & Strategic Planning |
Jay Sidhu | Chairman & CEO |
Carla Leibold | EVP, CFO & Treasurer |
Luvleen Sidhu | Co-Founder, President & Chief Strategy Officer, BankMobile |
Robert Savino | Chief Product Officer, BankMobile |
Michael Perito | KBW |
Stephen Moss | B. Riley FBR |
Russell Gunther | D.A. Davidson & Co. |
William Dezellem | Tieton Capital Management |
Frank Schiraldi | Sandler O'Neill + Partners |
Good afternoon, and welcome to the Second Quarter 2019 Customers Bancorp, Inc. Earnings Call. Today's call is being recorded. At this time, I would like to turn the call over to Bob Ramsey, Director of Investor Relations. Please go ahead.