ACE Limited ( ACE) Q4 2011 Earnings Call February 1, 2012 8:30 am ET Executives Evan Greenburg – Chairman, Chief Executive Officer Philip Bancroft – Chief Financial Officer Brian Dowd – Office of the Chairman John Keogh – Vice Chairman, Chief Operating Officer John Lupica – Chairman, Insurance – North America Robert Cusumano – General Counsel Helen Wilson – Investor Relations Analysts Keith Walsh – Citigroup Amit Kumar – Macquarie Mike Zaremski – Credit Suisse Greg Locraft – Morgan Stanley Josh Shanker – Deutsche Bank Michael Nannizzi – Goldman Sachs Paul Newsome – Sandler O’Neill Thomas Mitchell – Miller Tabak Vinay Misquith – Evercore Partners Brian Meredith – UBS Matthew Heimermann – JP Morgan Josh Stirling – Sanford Bernstein Jay Gelb – Barclays Capital Meyer Shields – Stifel Nicolaus Jay Cohen – Bank of America Ron Bobman – Capital Returns PresentationOperator
Good day everyone and welcome to the ACE Limited Fourth Quarter 2011 Earnings conference call. Today’s call is being recorded. We’ll take questions at the end of today’s remarks. You may press star, one at that time to ask a question. For opening remarks and introductions, I’d like to turn the conference to Helen Wilson, Investor Relations. Please go ahead, ma’am. Helen Wilson Thank you and welcome to the ACE Limited December 31, 2011 Fourth Quarter Year-End Earnings conference call. Our report today will contain forward-looking statements. These include statements relating to Company performance and guidance, recent corporate developments and acquisitions, ACE’s business mix, economic outlook, 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. This call is being webcast live and will be available for replay for one month. All remark made during the call are current at the time of the call and will not be updated to reflect subsequent material developments.