Chris Giovanni | Corporate Treasurer |
Dennis Glass | President & Chief Executive Officer |
Randy Freitag | Chief Financial Officer & Head of Individual Life |
Humphrey Lee | Dowling & Partners |
Ryan Krueger | KBW |
Suneet Kamath | Citi |
John Nadel | UBS |
Jimmy Bhullar | JP Morgan Chase |
Alex Scott | Goldman Sachs |
Tom Gallagher | Evercore ISI |
Andrew Kligerman | Credit Suisse |
John Barnidge | Sandler O'Neill |
Josh Shanker | Deutsche Bank |
Good morning and thank you for joining Lincoln Financial Group's Second Quarter 2019 Earnings Conference Call. At this time, all lines are in listen-only mode. Later, we will announce the opportunity for questions and instructions will be given at that time. [Operator Instructions]
Now, I would like to turn the conference over to the Corporate Treasurer, Chris Giovanni.