Maureen Davenport | Senior VP, CCO |
Hugh Frater | CEO |
Celeste Brown | CFO |
Bonnie Sinnock | National Mortgage News |
Welcome and thank you for standing by. At this time all participants are in a listen-only mode. Operator Instructions] Today's conference is being recorded.
If you have any objections, please disconnect at this time. I will now turn it over to your host, Maureen Davenport.