Kathryn E. Kieser | EVP, IR |
Glenn J. Williams | CEO |
Alison S. Rand | EVP and CFO |
Daniel Bergman | Citigroup |
Mark Hughes | SunTrust Robinson Humphrey |
Sean Dargan | Wells Fargo Securities |
Peter | KBW |
Adam Klauber | William Blair |
Good morning. My name is Kelly and I will be your conference operator today. At this time, I would like to welcome everyone to the Primerica Fourth Quarter Earnings Result Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.