Christine Patrick | Vice President of Investor Relations |
Joseph Lacher | President and Chief Executive Officer |
James McKinney | Chief Financial Officer |
Duane Sanders | President, Property & Casualty Division |
Greg Peters | Raymond James & Associates |
Paul Newsome | Piper Sandler |
Seth Rosenberg | UBS Group AG |
Gary Ransom | Dowling & Partners |
Good afternoon, ladies and gentlemen, and welcome to Kemper’s Fourth Quarter 2019 Earnings Conference Call. My name is Sean 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.