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April 25, 2012 8:30 am ET
Evan Greenburg – Chairman, Chief Executive Officer
Philip Bancroft – Chief Financial Officer
Sean Ringsted – Chief Risk Officer, Chief Actuary
John Lupica – Chairman, Insurance – North America
Helen Wilson – Investor Relations
Keith Walsh – Citigroup
Mike Zaremski – Credit Suisse
Vinay Misquith – Evercore Partners
Amit Kumar – Macquarie
Thomas Mitchell – Miller Tabak
Greg Locraft – Morgan Stanley
Josh Shanker – Deutsche Bank
Michael Nannizzi – Goldman Sachs
Ian Gutterman – Adage Capital
Matthew Heimermann – JP Morgan
Meyer Shields – Stifel Nicolaus
Josh Stirling – Sanford Bernstein
Brian Meredith – UBS
Jay Cohen – Bank of America Merrill Lynch
Good day and welcome to ACE Limited’s First Quarter 2012 Earnings conference call. Today’s call is being recorded. At this time, all lines are in listen-only mode. There will be a question and answer session at the end of the presentation. You may press star, one on your telephone keypad at any time to enter the question queue, and star, two to remove yourself from the queue.
For opening remarks and introductions, it is my pleasure to turn the call over to Helen Wilson, Investor Relations. Please go ahead.
Thank you and welcome to the ACE Limited March 31, 2012 First Quarter Earnings conference call. Our report today will contain forward-looking statements. These include statements relating to Company performance and guidance, premium growth, ACE’s business mix, and pricing and insurance market conditions, all of which are subject to risks and uncertainties. Actual results may differ materially. Please refer to our most recent SEC filings as well as our earnings press release and financial supplement which are available on our website for more information on factors that could affect these matters.