Leigh Chalmers | Senior Vice President, Head, Investor Relations and Capital Management |
Dean Connor | President and Chief Executive Officer |
Kevin Strain | Executive Vice President and Chief Financial Officer |
Mike Roberge | Chief Executive Officer and President, MFS Investment Management |
Kevin Morrissey | Senior Vice President and Chief Actuary |
Randy Brown | Chief Investment Officer, Sun Life and Head, Insurance Asset Management |
Jacques Goulet | President, Sun Life Financial, Canada |
Daniel Fishbein | President, Sun Life Financial, United States |
Leo Grepin | President, Sun Life Asia |
Scott Chan | Canaccord Genuity |
Gabriel Dechaine | National Bank Financial |
Meny Grauman | Scotiabank |
Darko Mihelic | RBC Capital Markets |
Doug Young | Desjardins Capital Market |
David Motemaden | Evercore |
Paul Holden | CIBC |
Nigel D'Souza | Veritas Investment Research |
Tom MacKinnon | BMO Capital |
Mario Mendonca | TD Securities |
Humphrey Lee | Dowling & Partners |
Good morning, ladies and gentlemen. My name is Stephanie and I will be your conference operator today. At this time, I would like to welcome everyone to the Sun Life Financial Q3 2020 Financial Results Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.