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August 08, 2012 10:00 a.m. ET
Glenn Messina – President & CEO
David Coles – Interim EVP & CFO
Robert Crowl – EVP
George Kilroy – EVP of Fleet
Jim Ballan – VP of IR
Bose George – KBW
Paul Miller – FBR
Henry Coffey – Sterne Agee
Richard Eckert – B. Riley and Company
Steven Iceman – Emry’s Partners
Good morning ladies and gentlemen and welcome to the PHH Corporation’s Second Quarter 2012 earnings conference call. Your lines will be in a listen-only mode during today’s 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 the instructions on entering the queue and asking 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 888-20-311-12 and using conference id 4280688 beginning shortly after the conclusion of the call. It will be available until August 22, 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 proceed with the introductions.
Thank you Catherine. Good morning and welcome to PHH Corporation’s Second Quarter 2012 earnings conference call. Please note that statements made during this conference call includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 as further described in slide three of our second quarter 2012 investor presentation of supplemental schedules.