Christopher Giovanni | SVP, IR & Corporate Treasurer |
Dennis Glass | President, CEO & Director |
Randal Freitag | EVP, CFO & Head, Individual Life |
Jamminder Bhullar | JPMorgan Chase & Co. |
Erik Bass | Autonomous Research |
Ryan Krueger | KBW |
Thomas Gallagher | Evercore ISI |
Humphrey Lee | Dowling & Partners Securities |
Andrew Kligerman | Crédit Suisse |
Suneet Kamath | Citigroup |
Elyse Greenspan | Wells Fargo Securities |
Taylor Scott | Goldman Sachs Group |
Good morning, and thank you for joining Lincoln Financial Group's Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions].
Now I would like to turn the conference over to Corporate Treasurer, Chris Giovanni. Please go ahead, sir.
Thank you, Catherine.