Lincoln National Corporation

Good morning and thank you for joining Lincoln Financial Group's second quarter 2022 earnings conference call. At this time, all lines are in a listen-only mode. Later, we will announce the opportunity for questions and instructions will be given at that time. If you need assistance at any time during the call, please press the star key followed by the zero and someone will assist you. Now I will turn the conference over to Vice President of Investor Relations, Al Copersino. Please go ahead, sir.

Thank you. Good morning and welcome to Lincoln Financial's second quarter earnings call.

Before we begin, I have an important reminder. Any comments made during the call regarding future expectations, including those regarding deposits, expenses, income from operations, cherry purchases, and liquidity and capital resources, are forward-looking statements under the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from current expectations. These risks and uncertainties include those described in the cautionary statement disclosures in our earnings release issued yesterday, as well as those detailed in our 2021 annual report on Form 10-K, most recent quarterly reports on Form 10-Q, and from time to time in our other filings with the SEC. These forward-looking statements are made only as of today, and we undertake no obligation to update or revise any of them to reflect events or circumstances that occur after this date. We appreciate your participation today and invite you to visit Lincoln's website, www.lincolnfinancial.com, where you can find our press release and statistical supplement, which include full reconciliations of the non-GATT measures used on this call, including adjusted return on equity, and adjusted income from operations or adjusted operating income for the most comparable gap measures. Presenting on today's call are Ellen Cooper, President and CEO, and Randy Freitag, Chief Financial Officer. After their prepared remarks, we will move to the question and answer portion of the call. I would now like to turn the call over to Ellen.