Christopher A. Giovanni | Lincoln National Corp. |
Dennis R. Glass | Lincoln National Corp. |
Randal J. Freitag | Lincoln National Corp. |
Erik Bass | Autonomous Research |
Jamminder Singh Bhullar | JPMorgan Securities LLC |
Suneet Kamath | Citigroup Global Markets, Inc. |
Thomas Gallagher | Evercore ISI |
Alex Scott | Goldman Sachs & Co. LLC |
Robert Glasspiegel | Janney Montgomery Scott LLC |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Humphrey Hung Fai Lee | Dowling & Partners Securities LLC |
Randy Binner | FBR Capital Markets & Co. |
Good morning and thank you for joining Lincoln Financial Group's Third Quarter 2017 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later we will announce the opportunity for questions and instructions will be given at that time.
Now I'd like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead.