John Swenson | Vice President, Investor Relations and Treasury |
Brad Shuster | Chairman and Chief Executive Officer |
Claudia Merkle | President |
Adam Pollitzer | Chief Financial Officer |
Julie Norberg | Controller |
Mark Devries | Barclays |
Chris Gamaitoni | Compass Point |
Jack Micenko | SIG |
Mackenzie Aron | Zelman and Associates |
Randy Binner | B. Riley FBR |
Geoffrey Dunn | Dowling & Partners |
Bose George | KBW |
Phil Stefano | Deutsche Bank |
Good day, ladies and gentlemen. And welcome to NMI Holdings Inc.
Third Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later we will conduct the question-and-answer session and instructions will follow at that time [Operator Instructions].