Barbara Callahan | Head of Investor Relations |
Ellen Alemany | Chairwoman, Chief Executive Officer |
John Fawcett | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Eric Wasserstrom | UBS |
Chris Kotowski | Oppenheimer |
Scott Valentin | Compass Point |
Good morning, and welcome to CIT’s Third Quarter 2018 Earnings Conference Call. My name is Nicole and I will be your operator today. At this time, all participants are in a listen-only mode. There will be a question-and-answer session later in the call. [Operator Instructions] As a reminder this conference call is being recorded.