Christine Patrick | Vice President of Investor Relations |
Joe Lacher | President, Chief Executive Officer |
Jim McKinney | Executive Vice President, Chief Financial Officer |
Duane Sanders | Executive Vice President, President of Property & Casualty Division |
Greg Peters | Raymond James |
Paul Newsome | Sandler O'Neill |
Seth Rosenberg | UBS |
Christopher Campbell | KBW |
Matthew Carletti | JMP Securities |
Good afternoon ladies and gentlemen and welcome to Kemper's third quarter 2019 earnings conference call. My name is Chuck and I will be your coordinator today. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time.
As a reminder, the conference call is being recorded for replay purposes.