David Young | Vice President of Investor Relations |
Daniel Amos | Chairman and Chief Executive Officer |
Fredrick Crawford | Executive Vice President and Chief Financial Officer |
Eric Kirsch | Global Chief Investment Officer |
Teresa White | President of Aflac U.S. |
Rich Williams | Chief Distribution Officer |
Al Riggieri | Global Chief Risk Officer and Chief Actuary |
Max Brodén | Treasurer and Head of Corporate Development |
Charles Lake | President of Aflac International |
Masatoshi Koide | President and Representative Director |
Todd Daniels | Director and Principal Financial Officer |
Koji Ariyoshi | Director and Head of Sales and Marketing. |
Andrew Kligerman | Credit Suisse |
Jamie Bhullar | JPMorgan |
Suneet Kamath | Citi |
Humphrey Lee | Dowling & Partners |
Thomas Gallagher | Evercore |
John Barnidge | Sandler O'Neill |
Alex Scott | Goldman Sachs |
Erik Bass | Autonomous Research |
Welcome to the Aflac’s Fourth Quarter 2018 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.