Tim Owens | VP, IR |
Kelly Groh | EVP & CFO |
Kevin Schneider | EVP & COO |
Thomas McInerney | President, CEO & Director |
Ryan Krueger | KBW |
Jamminder Bhullar | JPMorgan Chase & Co. |
Thomas Gallagher | Evercore ISI |
Geoffrey Dunn | Dowling & Partners Securities |
Good morning, ladies and gentlemen, and welcome to Genworth Financial's Third Quarter 2019 Earnings Conference Call. My name is Lauren, and I will be your coordinator today. [Operator Instructions].
I would now like to turn the presentation over to Tim Owens, Vice President of Investor Relations. Mr.