Randy Patten | Assistant VP, Finance & IR |
Randy Ramlo | President, CEO & Director |
Michael Wilkins | EVP & COO |
Dawn Jaffray | SVP & CFO |
Jon Newsome | Sandler O'Neill + Partners |
Good morning, and welcome to the UFG Insurance 2018 Third Quarter Earnings Conference Call. [Operator Instructions]. Please note that this event is being recorded. I'd now like to turn the conference over to Randy Patten, AVP, Finance and Investor Relations. Please go ahead.