UnitedHealth Group Incorporated

Good morning and welcome to the United Health Group third quarter 2020 earnings conference call. A question and answer session will follow United Health Group's prepared remarks. As a reminder, this call is being recorded. Here is some important introductory information. This call contains forward-looking statements under U.S. federal securities laws. These statements are subject to risks and uncertainty that could cause actual results to differ materially from historical experience or present expectations. A description of some of the risks and uncertainties can be found in the reports that we file with the Securities and Exchange Commission, including the cautionary statements included in our current and periodic filings. This call will also reference non-GAAP amounts. A reconciliation of the non-GAAP to GAAP amounts is available on the Financial and Owning Reports section of the company's investor relations page at www.unitedhealthgroup.com. After saving with customized car insurance from Liberty Mutual, I customize everything. Like Marco's backpack. Don't be late to the party. Virginia Connect makes managing referrals easy and it costs you nothing.

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I will now turn the comments over to the Chief Executive Officer of UnitedHealth Group, Mr. David Wickman. Please go ahead, sir.