David Young | Aflac, Inc. |
Daniel P. Amos | Aflac, Inc. |
Frederick John Crawford | Aflac, Inc. |
Koji Ariyoshi | Aflac Life Insurance Japan Ltd. |
Richard L. Williams Jr. | Aflac, Inc. |
J. Todd Daniels | Aflac, Inc. |
Eric M. Kirsch | Aflac, Inc. |
Teresa L. White | Aflac, Inc. |
Nigel P. Dally | Morgan Stanley & Co. LLC |
Jamminder Singh Bhullar | JPMorgan Securities LLC |
Thomas Gallagher | Evercore ISI |
John Bakewell Barnidge | Sandler O'Neill & Partners LP |
Suneet Kamath | Citigroup Global Markets, Inc. |
Andrew Kligerman | Credit Suisse Securities (NYSE:USA) LLC |
John Nadel | UBS Securities LLC |
Alex Scott | Goldman Sachs & Co. LLC |
Humphrey Hung Fai Lee | Dowling & Partners Securities LLC |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Welcome to the Aflac Third Quarter Earnings Conference Call.
Your lines have been placed on listen-only until the question-and-answer session. Please be advised, today's conference is being recorded. I would now like to turn the call over to Mr. David Young, Vice President of Aflac Investor & Rating Agency Relations.