Rob Luther | Vice President, Corporate Strategy & Investor Relations |
Sean Downes | Chairman and Chief Executive Officer |
Jon Springer | President and Chief Risk Officer |
Steve Donaghy | Chief Operating Officer |
Frank Wilcox | Chief Financial Officer. |
Christopher Campbell | KBW |
Samir Khare | Capital Returns Management |
Good morning, ladies and gentlemen, and welcome to UVE Fourth Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only-mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference over to Rob Luther, Vice President of Corporate Strategy and Investor Relations.