Christopher A. Giovanni | Lincoln National Corp. |
Dennis R. Glass | Lincoln National Corp. |
Randal J. Freitag | Lincoln National Corp. |
Suneet Kamath | Citigroup Global Markets, Inc. |
Erik James Bass | Autonomous Research US LP |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Thomas Gallagher | Evercore ISI |
Jamminder Singh Bhullar | JPMorgan Securities LLC |
Humphrey Hung Fai Lee | Dowling & Partners Securities LLC |
Alex Scott | Goldman Sachs & Co. LLC |
Jay A. Cohen | Bank of America Merrill Lynch |
John Nadel | UBS Securities LLC |
Marvin Charles Schwartz | Neuberger Berman BD LLC |
Good morning and thank you for joining Lincoln Financial Group's Second Quarter 2018 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 would like to turn the conference over to Senior Vice President of Investors Relations, Chris Giovanni. Please go ahead, sir.