Gabriella Nawi | Senior Vice President of Investor Relations |
Alan Schnitzer | Chairman and Chief Executive Officer |
Jay Benet | Chief Financial Officer |
Greg Toczydlowski | President of Business Insurance |
Tom Kunkel | President of Bond & Specialty Insurance |
Michael Klein | President of Personal Insurance |
Bill Heyman | Chief Investment Officer |
Kai Pan | Morgan Stanley |
Jay Cohen | Bank of America Merrill Lynch |
Amit Kumar | Buckingham Research Group |
Elyse Greenspan | Wells Fargo |
Jay Gelb | Barclays |
Ryan Tunis | Autonomous Research |
Josh Shanker | Deutsche Bank |
Larry Greenberg | Janney |
Meyer Shields | KBW |
Sarah DeWitt | JPMorgan |
Yaron Kinar | Goldman Sachs |
Brian Meredith | UBS |
Good morning, ladies and gentlemen. Welcome to the First Quarter Results Teleconference for Travelers. We ask that you hold all questions for the completion of formal remarks at which time you’ll be given instructions for the question-and-answer session.
As a reminder, this conference is being recorded on April 24, 2018. At this time, I would now like to turn the conference over to Ms.