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 |
Kristy Fercho | President of Mortgage |
Scott Siefers | Sandler O’Neill |
Bose George | KBW |
Steve Moss | B. Riley |
Kevin Barker | Piper Jaffray |
Henry Coffey | Wedbush |
Daniel Tamayo | Raymond James |
Scott Beury | Boenning and Scattergood |
Chris Gamaitoni | Compass Point |
Good day, and welcome to the Flagstar Bank Fourth 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.
Thank you, Katy, and good morning.