Kenneth Schellenberg | VP, IR |
Alessandro DiNello | President, CEO & Director |
James Ciroli | EVP & CFO |
Lee Smith | EVP & COO, Flagstar Bank |
Kristy Fercho | EVP & President, Mortgage |
Andrew Ottaway | EVP & President, Banking |
Scott Siefers | Sandler O'Neill |
Bose George | KBW |
Kevin Barker | Piper Jaffray Companies |
Edward Gamaitoni | Compass Point Research & Trading |
Stephen Moss | B. Riley FBR, Inc. |
Daniel Tamayo | Raymond James & Associates |
Henry Coffey | Wedbush Securities |
Good day, ladies and gentlemen. Welcome to the Flagstar Bank Third Quarter 2019 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Kenneth Schellenberg, Head of Investor Relations. Please go ahead.