Flagstar Bancorp, ( FBC) Q4 2010 Earnings Conference Call January 26, 2011 11:00 am ET Executives Joseph P. Campanelli – Chairman of the Board, President, Chief Executive Officer Paul D. Borja – Executive Vice President and Chief Financial Officer of the Company and the Bank Todd McGowan – Executive Vice President, Chief Risk Officer Matthew A. Kerin – Executive Vice President and Managing Director – Corporate Specialties of the Company and the Bank Matthew I. Roslin – EVP of Company and Bank and Chief Legal Officer and Chief Administrative Officer of the Bank Salvatore J. Rinaldi – Executive Vice President and Chief of Staff of the Company and the Bank Marshall Soura – Executive Vice President, Direct – Corporate Services Allessandro DiNello – Executive Vice President; Head of Retail Banking James D. Coleman – Director Jay J. Hansen -- Director Presentation Operator
Ladies and gentlemen, this is the operator. Today's conference is scheduled to begin momentarily. Until that time, your lines will again be placed on music hold. Thank you for your patience. Good morning. My name is Felecia, and I will be your conference operator today. At this time, I'd like to welcome everyone to the Flagstar Bank quarterly conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. (Operator instructions). Thank you. Mr. Borja, you may begin. Paul D. Borja Thank you. Good morning. I'd like to welcome you to our fourth quarter 2010 earnings call. My name is Paul Borja, and I'm the Chief Financial Officer of Flagstar Bank. Before we begin our comments, let me apologize for the delay in starting the call. We had difficulties loading the presentation that relates to this release on the website. We can tell you it's now loaded up, so you may want to check.