Chris Giovanni | Senior Vice President-Investor Relations |
Dennis Glass | President and Chief Executive Officer |
Randy Freitag | Chief Financial Officer and Head of Individual Life |
Erik Bass | Autonomous Research |
Jimmy Bhullar | JPMorgan |
Josh Shanker | Deutsche Bank |
Tom Gallagher | Evercore |
Suneet Kamath | Citi |
Alex Scott | Goldman Sachs |
John Barnidge | Sandler O'Neill |
Humphrey Lee | Dowling & Partners |
Ryan Krueger | KBW |
Good morning, and thank you for joining Lincoln Financial Group’s Fourth Quarter 2017 Earnings Conference Call. [Operator Instructions] Now I’d like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead Sir.
Thank you, Chelsea. Good morning, and welcome to Lincoln Financial’s fourth quarter earnings call.