John Swenson | Vice President-Investor Relations and Treasury |
Brad Shuster | Executive Chairman |
Claudia Merkle | Chief Executive Officer |
Adam Pollitzer | Chief Financial Officer |
Julie Norberg | Controller |
Rick Shane | JPMorgan |
Sam Choe | Credit Suisse |
Mackenzie Aron | Zelman & Associates |
Tommy McJoynt | KBW |
Mark Devries | Barclays |
Phil Stefano | Deutsche Bank |
Chris Gamaitoni | Compass Point |
Mark Hughes | SunTrust |
Geoffrey Dunn | Dowling & Partners |
Soham Bhonsle | SIG |
Good afternoon, ladies and gentlemen, and welcome to the NMI Holdings Inc.
Third Quarter 2019 Earnings Conference Call. At this time all participants are in a listen-only mode, later we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions]
I would now like to turn the conference over to your host today, Mr.