Rob Luther | VP, IR & Corporate Strategy |
Steve Donaghy | CEO |
Frank Wilcox | CFO |
Jon Springer | President & Chief Risk Officer |
Christopher Campbell | KBW |
Good morning, ladies and gentlemen, and welcome to the UVE Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only-mode. After the speakers remarks there will be a question-and-answer session. [Operator instructions] As a reminder, this conference call is being recorded.
I would now like to turn the conference over to Rob Luther, Vice President of Corporate Strategy and Investor Relations.