|Tom McInerney||President, Chief Executive Officer|
|Kelly Groh||Executive Vice President, Chief Financial Officer|
|Tim Owens||Vice President, Investor Relations|
|Drew Figdor||TIG Advisors|
|Himanshu Shah||Shah Capital|
Good morning ladies and gentlemen and welcome to Genworth Financial’s fourth quarter 2019 earnings conference call. My name is Derek and I will be your coordinator today. At this time, participants are in listen-only mode.
We will facilitate a question and answer session towards the end of this conference call.
As a reminder, this conference is being recorded for replay purposes.