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November 17, 2011, 09:30 a.m. ET
Marc Stefanski - President and CEO
Paul Huml - CAO and COO
Dave Huffman - CFO
John Ringenbach - COO, Third Federal Savings and Loan
Meredith Weil - CRO, Third Federal Savings
Mike Shafir - Sterne Agee
Michael Lee - Royal Capital
Frank Rango - Purchase Capital
Welcome to TFS Financial Corporation’s Fourth Fiscal Quarter Earnings Conference Call and Webcast. Hosting the call today from TFS Financial is Mr. Marc Stefanski, Chief Executive Officer. He is joined by Mr. Dave Huffman, Chief Financial Officer; Mr. John Ringenbach, Chief Operating Officer of Third Federal Savings; Ms. Meredith Weil, Chief Retail Officer of Third Federal Savings; and Mr. Paul Huml, Chief Accounting Officer.
Today’s call is being recorded and will be available for replay beginning at 12:00 Eastern. The dial-in number for the replay is 800-283-4216. At this time, all participants have been placed in a listen-only mode and the floor will be open for your questions following the presentation. (Operator Instructions) In interest of time and to get as many questions as possible, we ask that you limit yourselves to one question and one follow-up. Lastly, when posing a question, please pick up your handset to allow optimal sound quality.
Some of the information provided during the conference call may contain statements of future expectations and other forward-looking statements. These expectations are based on the management’s current views and assumptions and involve known and unknown risks and uncertainties. It is possible that the company’s actual results and financial condition may differ possibly materially from the anticipated results and financial conditions indicated in these forward-looking statements. For a discussion of some of the risks and important factors that could affect the firm’s future results, see Risk Factors in the company’s latest Annual Report on www.thirdfederal.com. TFS Financial Corporation assumes no obligation to update any forward-looking information provided during the conference call.