Emily Riley | Senior Vice President, Corporate Communications and Investor Relations |
Rick Thornberry | Chief Executive Officer |
Frank Hall | Chief Financial Officer |
Derek Brummer | Senior Executive Vice President-Mortgage Insurance and Risk Services |
Jack Micenko | SIG |
Mark DeVries | Barclays |
Bose George | KBW |
Douglas Harter | Credit Suisse |
Mihir Bhatia | Bank of America |
Chris Gamaitoni | Compass Point |
Welcome to the Fourth Quarter 2019 Earnings Conference Call. At this time, all phone lines are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given to you at that time. [Operator Instructions] And as a reminder, today's conference is being recorded.
I'll now turn the conference over to Emily Riley, Senior Vice President, Investor Relations.