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August 7, 2012 11:00 AM ET
Diana Hickert - Hill - VP, IR & Corporate Identity
Don Southwell - Chairman, President & CEO
Jim Schulte - Property and Casualty Group Executive
Dennis Vigneau - SVP & CFO
Paul Newsome - Sandler O'Neill
Adam Klauber - William Blair
Steven Schwartz - Raymond James & Associates
Welcome to Kemper’s Second Quarter 2012 Earnings Conference Call. My name is Karen and I will be your coordinator today. (Operator Instructions). I would now like to introduce your host for today’s conference, Ms. Diana Hickert-Hill, VP, IR & Corporate Identity. Ms. Hickert-Hill you may begin.
Thank you Karen. Good morning, everyone and thank you for joining us. After the markets closed yesterday, we filed our Form 10-Q with the SEC and issued our press release and financial supplement. You can find these documents on the Investors section of our website kemper.com.
We would also like to mention that in our financial supplement this quarter we added an additional page of disclosures related to our catastrophe frequency loss and severity performance. you can find this information on page 11. This morning you will hear from three of our business executive, starting with Don Southwell, Kemper's Chairman, President and Chief Executive Officer, Jim Schulte, Kemper’s Property and Casualty Group Executive and finally Dennis Vigneau, Kemper's Senior Vice President and Chief Financial Officer.
We will make a few opening remarks to provide some context around our second quarter results. We will then open up the call for our question-and-answer session. Please note that our discussion today may contain forward-looking statements. Our actual results may differ materially from these statements. Please refer to our Form 10-K filed with the SEC on February 17, 2012, as well as our first quarter 2012 Form 10-Q and earnings release for financial information on potential risks associated with relying on forward-looking statement.