Ernie Garateix | Chief Executive Officer |
Arash Soleimani | Executive Vice President |
Kirk Lusk | Chief Financial Officer |
Marla Backer | Sidoti |
Matt Carletti | JMP |
Good morning, everyone. And welcome to Heritage Insurance Holdings Fourth Quarter 2021 Financial Results Conference Call. My name is Jamie 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.