Tom White | Investor Relations |
Rick McKenney | President & Chief Executive Officer |
Steve Zabel | Chief Financial Officer |
Mike Simonds | Chief Operating Officer |
Peadar O'Donnell | Head-Unum International Business |
Tim Arnold | Head-Colonial Life & Voluntary Benefits |
Jimmy Bhullar | JPMorgan |
Ryan Krueger | Keefe, Bruyette & Woods |
Suneet Kamath | Citi |
Tom Gallagher | Evercore |
Mark Hughes | Truist |
Andrew Kligerman | Credit Suisse |
Humphrey Lee | Dowling & Partners |
Josh Shanker | Bank of America |
Good day, and welcome to the Unum Group Third Quarter 2020 Earnings Conference Call. Today's call is recorded. At this time, I would like to turn the conference over to Mr. Tom White. Please go ahead sir.