Garrett Edson | Investor Relations, ICR |
Peter Knitzer | President and CEO |
Rob Beck | CFO |
David Scharf | JMP Securities |
Steven Kwok | KBW |
Vincent Caintic | Stephens |
Bill Dezellem | Tieton Capital |
John Rowan | Janney |
Thank you for standing by. This is the conference operator. Welcome to the Regional Management Fourth Quarter 2019 Earnings Conference Call. After the presentation, there will be an opportunity to ask questions. [Operator Instructions] As a reminder, all participants are in listen-only mode, and the conference is being recorded.