Isaac Garden | Vice President, Investor Relations |
Stan Kurland | Executive Chairman |
David Spector | President & Chief Executive Officer |
Andy Chang | Chief Financial Officer |
Vandy Fartaj | Chief Investment Officer |
Good afternoon, and welcome to the Fourth Quarter Earnings Discussion for PennyMac Mortgage Investment Trust. The slides that accompany this discussion are available from PennyMac Mortgage Investment Trust’s website at www.PennyMac‐REIT.com.
Before we begin, please take a few moments to read the disclaimer on Slide two of the presentation. Thank you.
Now I’d like to introduce Stan Kurland, PMT’s Executive Chairman.