David Young | VP, Investor & Rating Agency Relations |
Daniel Amos | Chairman & CEO |
Max Broden | EVP & CFO |
Richard Williams | EVP & Chief Distribution Officer |
Eric Kirsch | EVP, Global CIO & President, Aflac Global Investments |
Frederick Crawford | President & COO |
Teresa White | President, Aflac US |
Koji Ariyoshi | EVP, Senior Managing Executive Officer, Director, Sales & Marketing and Director |
Masatoshi Koide | President & Representative Director |
Nigel Dally | Morgan Stanley |
Andrew Kligerman | Crédit Suisse |
Jamminder Bhullar | JPMorgan Chase & Co. |
Humphrey Lee | Dowling & Partners Securities |
Erik Bass | Autonomous Research |
Suneet Kamath | Citigroup |
John Barnidge | Piper Sandler & Co. |
Alex Scott | Goldman Sachs |
Marcos Holanda | Raymond James & Associates, Inc. |
Thomas Gallagher | Evercore ISI |
Welcome to the Aflac Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions]. Please be advised, today's conference is being recorded.
I would now like to turn the call over to Mr. David Young, Vice President of Aflac Investor and Rating Agency Relations.