Bernie Kilkelly | Investor Relations |
Mike Braun | Chief Executive Officer |
Ron Jordan | Chief Financial Officer |
Doug Ruth | Lenox Financial Services |
Greg Peters | Raymond James |
Matt Carletti | JMP |
Bill Broomall | Dowling and Partners |
Good morning, and welcome to FedNat Holding Company's Fourth Quarter and Full Year 2019 Conference Call. My name is Sarah, and I'll be your conference operator this morning. [Operator Instructions] Before we begin today's call, I'd like to remind everyone that this conference call is being recorded as well as broadcast live via the webcast.
Additionally, today's call will be available via webcast replay later this afternoon and accessible by visiting the Investor Relations section of FedNat's website at www.fednat.com.
Now, I'd like to turn the conference over to Bernie Kilkelly for FedNat Investor Relations.