Mary McGarry | executive |
Terry Schmidt | executive |
Desiree Elwell | executive |
Donald Fandetti | analyst |
Richard Shane | analyst |
David Neylan | executive |
Giuliano Anderes-Bologna | analyst |
Trevor Cranston | analyst |
Derek Hewett | analyst |
Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Third Quarter 2020 Earnings Conference Call. [Operator Instructions] As a reminder, this call will be recorded. I would now like to turn the conference over to Michael Kim, Investor Relations. Please go ahead, Michael.
Thank you, and good afternoon, everyone.
Before we begin, I would like to remind everyone that comments on this conference call may contain certain forward-looking statements regarding the company's expected operating and financial performance for future periods.