Kenneth Schellenberg | VP, IR |
Alessandro DiNello | President, CEO & Director |
James Ciroli | EVP & CFO |
Lee Smith | EVP & COO, Flagstar Bank |
Kristy Fercho | EVP & President, Mortgage |
Bose George | KBW |
Robert Siefers | Piper Sandler & Co. |
Daniel Tamayo | Raymond James & Associates, Inc. |
Henry Coffey | Wedbush Securities |
Edward Gamaitoni | Compass Point |
Stephen Moss | B. Riley FBR, Inc. |
Good day, and welcome to the Flagstar Bank's Fourth Quarter 2019 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Kenneth Schellenberg. Please go ahead, sir.