Christopher Curran | Senior Vice President of Investor Relations |
Mark Casale | Chairman, President and Chief Executive Officer |
Lawrence McAlee | Senior Vice President and Chief Financial Officer |
Mihir Bhatia | Bank of America Merrill Lynch |
Samuel Choe | Credit Suisse Securities |
Philip Stefano | Deutsche Bank |
Bose George | Keefe, Bruyette, & Woods, Inc. |
Mackenzie Aron | Zelman & Associates, LLC |
Jack Micenko | Susquehanna International Group, LLP |
Christopher Gamaitoni | Compass Point Research & Trading, LLC |
Richard Shane | JPMorgan Chase & Co. |
Ladies and gentlemen, thank you for standing by and welcome to the Essent Group Limited Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to your host today, Chris Curran, Senior Vice President of Investor Relations.