Joseph Peiso | Vice President Compliance |
Bruce Lucas | Chairman & Chief Executive Officer |
Kirk Lusk | Chief Financial Officer |
John Barnidge | Sandler O'Neill |
Mark Hughes | SunTrust Robinson Humphrey |
James Naklicki | Citi |
Good morning, and welcome to Heritage Insurance Holdings’ Fourth Quarter 2017 Financial Results Conference Call. My name is Rocco [ph] and I will be the operator today. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. Please note, this event is being recorded.