Alessandro DiNello | President, CEO |
James Ciroli | Executive VP & CFO |
Lee Smith | President, Mortgage |
Reggie Davis | President, Banking |
Kenneth Schellenberg | VP of IR |
Daniel Tamayo | Raymond James |
Jamie Benjamin | Piper Sandler |
Henry Coffey | Wedbush Securities |
Steve Moss | B. Riley, FBR |
Bose George | KBW |
Good day, and welcome to the Flagstar Bank Third Quarter 2020 Earnings Call. Today’s conference is being recorded. At this time, I would like to turn the conference over to Mr. Ken Schellenberg. Please go ahead, sir.