Chris Oltmann | SVP, IR |
Stan Kurland | Executive Chairman |
David Spector | CEO |
Andrew Chang | CFO |
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 2 of the presentation. Thank you.
Now I'd like to turn the discussion over to Stan Kurland, PMT's Executive Chairman.