Arash Soleimani | Executive Vice President |
Bruce Lucas | Chairman and Chief Executive Officer |
Kirk Lusk | Chief Financial Officer |
John Barnidge | Sandler O'Neill |
Frederique Sleiffer | KBR |
Matthew Carletti | JMP Securities |
Good morning and welcome to the Heritage Insurance Holdings Third Quarter 2019 Financial Results Conference Call. My name is Brendan and I will be the operator today. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. Please note this event is being recorded.