Dennis McDaniel | Vice President, Investor Relations Officer |
Steve Johnston | President and Chief Executive Officer |
Mike Sewell | Senior Vice President and Chief Financial Officer |
J.F. Scherer | Chief Insurance Officer |
Arash Soleimani | KBW |
Scott Heleniak | RBC Capital Markets |
Mike Zaremski | Credit Suisse |
Good morning. My name is Emily and I will be your conference operator today. At this time, I would like to welcome everyone to the Second Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks there will be a question-and-answer session.