Tom McInerney | President, Chief Executive Officer |
Kelly Groh | Executive Vice President, Chief Financial Officer |
Tim Owens | Vice President, Investor Relations |
Ryan Krueger | KBW |
Joshua Esterov | CreditSights |
Bill | Bytespeed Partners |
Drew Figdor | TIG Advisors |
Himanshu Shah | Shah Capital |
Good morning ladies and gentlemen and welcome to Genworth Financial’s fourth quarter 2019 earnings conference call. My name is Derek and I will be your coordinator today. At this time, participants are in listen-only mode.
We will facilitate a question and answer session towards the end of this conference call.
As a reminder, this conference is being recorded for replay purposes.