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February 7, 2012 10:00 AM ET
Jim Ballan – Vice President of Investor Relations.
Glenn Messina - President and Chief Executive Officer,
David Coles - Interim Executive Vice President and Chief Financial Officer
Luke Hayden - Executive Vice President of Mortgage
George Kilroy - Executive Vice President of Fleet
John Erdmann – Vice President and Controller
Bose George – KBW
Paul Miller– FBR Investments
Henry Coffey – Stern Agee
Scott Stern - Lenders One
Ninad Sanghvi – Hudson Bay Capital
Jim Fowler – Harvest Capital
Good morning ladies and gentlemen. Welcome to the PHH corporation fourth quarter 2011 conference call. Your line will be a listen-only mode during remarks by PHH management. At the conclusion of the company’s remarks, we will begin the question and answer session at which time I will give you instructions on entering the queue to ask your questions.
Today’s call is also being webcast and recorded for replay purposes. The audio replay can be accessed either on the company’s website at www.phh.com/invest or by telephone at 719-457-0820 or 888-203-1112 using conference ID 4120134 beginning shortly after the conclusion of the call.
It will be available until February 21, 2012. This access information is also described in the Company’s earnings release and I will repeat it again at the end of our session. At this time, Jim Ballan, Vice President of Investor Relations will precede with the introductions. Please go ahead.