David Urban | Director-Investor Relations |
Sandro DiNello | President and Chief Executive Officer |
Jim Ciroli | Chief Financial Officer |
Lee Smith | Chief Operating Officer |
Drew Ottaway | President of Banking |
Kevin Barker | Piper Jaffray |
Bose George | KBW |
Chris Gamaitoni | Compass Point |
Henry Coffey | Wedbush |
Scott Siefers | Sandler O’Neill and Partners |
Daniel Tamayo | Raymond James |
Scott Beury | Boenning and Scattergood |
Good day, and welcome to the Flagstar Bank Third Quarter 2018 Earnings Call. Today’s conference is being recorded. At this time, I would like to turn the conference over to David Urban, Director of Investor Relations. Please go ahead, sir.
Thank you, Jonathan, and good morning.