David Urban | Director IR |
Sandro DiNello | President & CEO |
Jim Ciroli | CFO |
Lee Smith | COO |
Steve Figliuolo | Chief Risk Officer |
Drew Ottaway | President, Michigan Market |
Kristy Fercho | President, President of Mortgage |
Jessica Levi-Ribner | Friedman, Billings, Ramsey |
Scott Cyphers | Sandler O’Neill and Partners |
Scott Valentin | Compass Point |
Kevin Barker | Piper Jaffray |
Bose George | KBW |
[Operator Instructions] Good day everyone and welcome to the Flagstar Bank’s Third Quarter 2017 Earnings Call. Today's call is being recorded. And, at this time, I'd like to turn the conference over to David Urban, Director of Investor Relations. Please go ahead, sir.
Thank you, Vicky and good morning everyone.