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July 31, 2012 10:00 am ET
Marc A. Stefanski – Chairman, President and Chief Executive Officer
Paul J. Huml – Chief Operating Officer and Chief Accounting Officer
David S. Huffman – Chief Financial Officer
Meredith S. Weil – Chief Operating Officer
Mike Shafir – Sterne, Agee & Leach, Inc.
William C. Waller – M3 Funds LLC
Welcome to TFS Financial Corporation’s Third 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; Ms. Meredith Weil, Chief Operating 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 2.00 P.M. Eastern Standard Time. The dial-in number for the replay is 800-723-0549. 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 the interest of time and to get as many questions as possible, we ask that you please limit yourself to one question and one follow-up. (Operator Instructions)
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 condition indicated in these forward-looking statements.