|Nevin Boparai||EVP & Chief Legal Officer|
|Jeffrey Pyatt||President, CEO & Executive Chairman|
|David Schneider||CFO & Treasurer|
|Steven Delaney||JMP Securities|
|Stephen Laws||Raymond James & Associates|
|Matthew Howlett||B. Riley Securities|
Greetings, and welcome to the Broadmark Realty Capital's Fourth Quarter and Full Year 2021 Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Nevin Boparai, Chief Legal Officer of Broadmark Realty Capital. Please go ahead, sir.