Ken Schellenberg | Vice President, Investor Relations |
Sandro DiNello | President and Chief Executive Officer |
Jim Ciroli | Executive Vice President and Chief Financial Officer |
Lee Smith | President of Mortgage |
Reggie Davis | President of Banking |
Bose George | KBW |
Scott Siefers | Piper Sandler |
Daniel Tamayo | Raymond James |
Steve Moss | B. Riley Securities |
Giuliano Bologna | Compass Point |
Henry Coffey | Wedbush |
Good day, and welcome to the Flagstar Bank Fourth Quarter 2020 Earnings Call. Today’s conference is being recorded. At this time, I would like to turn the conference over to Mr. Ken Schellenberg. Please go ahead, sir.