Tim Owens | Genworth Financial, Inc. |
Thomas J. McInerney | Genworth Financial, Inc. |
Kelly L. Groh | Genworth Financial, Inc. |
Kevin D. Schneider | Genworth Financial, Inc. |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Jamminder Singh Bhullar | JPMorgan Securities LLC |
Sean Dargan | Wells Fargo Securities LLC |
Thomas Gallagher | Evercore Group LLC |
Peter Troisi | Barclays Capital, Inc. |
Josh Esterov | CreditSights, Inc. |
Good morning, ladies and gentlemen, and welcome to Genworth Financial's fourth quarter 2017 earnings conference call. My name is Kathy, and I will be your coordinator today. At this time, all participants are in a listen-only mode.
We will facilitate a question-and-answer session towards the end of this conference call.
As a reminder, the conference is being recorded for replay purposes.