John Swenson | Vice President of Investor Relations & Treasury |
Brad Shuster | Executive Chairman |
Claudia Merkle | Chief Executive Officer |
Adam Pollitzer | Chief Financial Officer |
Mark Devries | Barclays |
Doug Harter | Credit Suisse |
Rick Shane | JPMorgan |
Colin Johnson | B. Riley |
Bose George | KBW |
Mark Hughes | Truist |
Ryan Gilbert | BTIG |
Good afternoon, ladies and gentlemen, and welcome to the NMI Holdings Inc.
Third Quarter 2021 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] As a reminder, this conference call is being recorded.