Greetings. Welcome to Primerica's annual stockholder meeting. At this time, all participants are on a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. I will now turn the conference over to your host, Rick Williams. You may begin. Good morning, welcome to the 2024 annual meeting of stockholders of Primerica. I am Rick Williams, chairman of the board. I now call this meeting to order. I would like to introduce Ms. Deborah Braker, who the board appointed to act as our Inspector of Elections. Good morning, and thank you, Mr. Williams. At this time, I would like to recognize our directors, all of whom are joining us by phone today. John Addison, CEO of Addison Leadership Group and former co-chief executive officer. Joel Babbitt, co-founder and chief executive officer of The Narrative Content Group. Amber Cottle, VP of Global Public Policy and Government Affairs, Social Impact and Sustainability and Risk and Compliance of Dropbox Inc. Gary Crittenden, a private investor and a former managing partner and chairman of private equity firm HGGC. Cynthia Day, the president and CEO of Citizens Bancshares Corporation and Citizens Trust Bank. Sanjeev Dheer, founder and chief executive officer of CENTRL Inc. Beatriz Perez, EVP and chief communications, sustainability, and strategic partnerships officer for The Coca-Cola Company. Glenn Williams, the company's chief executive officer. Barbara Yastine, former chairman and CEO of Ally Bank. I would like to welcome Darryl Wilson, who joined our board in February 2024. Mr. Wilson is the founder, chairman, and president of The Wilson Collective, and he previously spent over 30 years at General Electric Company. Here with me is Stacey Geer, executive vice president, deputy general counsel, chief governance officer, and corporate secretary of the company, who will act as secretary of this meeting. I would also like to recognize our other senior executives who are also joining us by phone today. Peter Schneider is our president. Greg Pitts is our executive vice president and chief operating officer. Tracy Tan is our executive vice president and chief financial officer. Ms. Tan joined Primerica in the fourth quarter of 2023. Alison Rand, our former CFO, retired from the company on April 1st, 2024. At this time, I am pleased to introduce Paul Brennan and Dan Eldridge of our independent registered accounting firm, KPMG, both of whom are joining us in person. The Inspector of Elections has reported that holders of at least 91% of the outstanding shares of common stock as of the record date are present in person or represented by proxy. A quorum is present, and the meeting is duly convened. Each of you were provided with a copy of the agenda and the rules and procedures for today's meeting. According to Ms. Geer, notice of the meeting was distributed on or about March 27th, 2024, to all stockholders of record on March 12th, 2024. A list of all stockholders of record as of that date is available for inspection by the stockholders at any time during the meeting. There are three matters for consideration today. These matters are listed in the notice of annual meeting that is attached to the proxy statement. Under our bylaws, certain procedures must be followed for director nominations and other business proposals to be brought before the meeting. No nominations or other proposals have been received other than those described in the proxy statement. Therefore, nominations for directors are closed and no proposal other than those described in the proxy statement may come before the meeting. Only holders of the common stock on March 12, 2024, the record date for this meeting, or persons holding a valid proxy for such shares may address the meeting. If you are a record holder and you have voted by proxy, you do not need to complete a ballot in person at this meeting. If you wish to revoke a proxy previously submitted and vote in person, or if you have not previously submitted a proxy and wish to vote in person, please raise your hand and a ballot will be brought to you. It is now 8:35 A.M. and the polls are now open for anyone who wants to cast a vote or change an earlier vote. The stockholders will consider the proposal in our proxy statement to elect 11 directors to serve until the annual meeting of stockholders in 2025. Information about each nominee is contained in the proxy statement, along with the recommendations of the board for the election of our nominees. Is there any discussion on the slate of directors? Please raise your hand and I will call on you. I see that there are no questions at this time. Stockholders will consider the proposal in our proxy statement to approve, on an advisory basis, our executive compensation say on pay. Is there any discussion on this proposal? Please raise your hand and I will call on you. I see that there are no questions at this time. The final item of business is consideration of a proposal to ratify the appointment by the Audit Committee of KPMG LLP as the company's independent registered public accounting firm to audit the financial statements, books, and records of the company for the fiscal year ending December 31, 2024. Mr. Brennan of KPMG is available to answer questions. Is there any discussion on this proposal? Please raise your hand and I will call on you. I see that there are no questions at this time. I hereby declare that the polls on the matters presented at this meeting are now closed as of 8:37 A.M. today. The proxies will be held in the possession of the Inspector of Elections. The Inspector of Elections will now count the votes. We will report on the results of the voting. Ms. Geer, do you have the preliminary report of the inspector? Yes, I do. The inspector reports that more than 91% of the votes represented at this meeting have been voted for the election of each of the 11 directors recommended and nominated. Nearly 99% of the votes represented at this meeting have been voted on an advisory basis in favor of our executive compensation. Over 99% of the votes represented at this meeting have been voted for the ratification of the appointment of KPMG as the company's independent registered public accounting firm for the 2024 fiscal year. The inspector will furnish me with a written report of the final vote count with respect to these matters, which will be included in the minutes of this meeting. Final results, including the results for each director nominee, will be included in a Form 8-K filed with the SEC within four business days, and it will be posted on our investor relations website. Thank you, Ms. Geer. I declare that the report of the inspector is approved, and that based on the preliminary results, the nominees for directors have been duly elected. The advisory vote on executive compensation has been approved. The stockholders have approved on an advisory. The annual vote on the say on pay and the appointment of KPMG for fiscal 2024 has been ratified. I will now begin the general question and answer period. If you are a stockholder and wish to ask a question, please raise your hand and I will call on you. Please state your name and the number of shares you own for which you hold a valid proxy. If you represent an institutional owner, please also state the name of your firm. Please adhere to the two-minute time period and the limit of two questions per stockholder as described in the meeting procedures as a courtesy to all present. Seeing no questions, I would like to again thank you for the support and continued confidence in Primerica. The 2024 annual meeting of stockholders of Primerica is hereby adjourned.