Kathryn Kieser | Executive Vice President of Investor Relations |
Glenn Williams | Chief Executive Officer |
Alison Rand | Executive Vice President and Chief Financial Officer |
Mark Hughes | SunTrust Robinson Humphrey |
Ryan Kruger | Keefe, Bruyette, & Woods, Inc |
Daniel Bergman | Citigroup |
Good morning. My name is Krista and I will be your conference operator today. At this time, I would like to welcome everyone to the Primerica's Third Quarter 2018 Earnings Results Conference Call. All lines have been placed on mute to prevent any background noise. And after the speakers remarks, there will be a question and answer session.