John Swenson | Vice President, Investor Relations & Treasury |
Brad Shuster | Executive Chairman |
Claudia Merkle | Chief Executive Officer |
Adam Pollitzer | Chief Financial Officer |
Julie Norberg | Controller |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Sam Choe | Credit Suisse |
Tommy McJoynt | KBW |
Jack Micenko | SIG |
Geoffrey Dunn | Dowling & Partners |
Mark Hughes | Truist |
Good morning, ladies and gentlemen, and welcome to the NMI Holdings Inc.
Third Quarter 2020 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 Mr.