David Young | Vice President Investor and Rating Agency Relations |
Dan Amos | Chairman and Chief Executive Officer |
Fred Crawford | President and Chief Operating Officer |
Max Broden | Executive Vice President and Chief Financial Officer |
Koji Ariyoshi | Director and Head of Sales and Marketing-Aflac Life Insurance Japan |
Teresa White | President-Aflac U.S. |
Rich Williams | President of Group Benefits |
Masatoshi Koide | President and Representative Director-Aflac Life Insurance Japan |
Todd Daniels | Director and Chief Financial Officer-Aflac Life Insurance Japan |
Nigel Dally | Morgan Stanley |
John Barnidge | Piper Sandler |
Suneet Kamath | Citi |
Gregory Peters | Raymond James |
Ladies and gentlemen, thank you for standing by, and welcome to the Aflac Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today’s conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your first speaker today, David Young, Vice President Investor and Rating Agency Relations.