Darryl Button joined AEGON in 1999 as Director of Product Development and Risk Management of AEGON USA's Institutional Markets operating unit. He was named AEGON USA's Corporate Actuary in 2002 and Chief Financial Officer of AEGON Americas in 2005, where he currently oversees overall balance sheet management activities for the Americas. From 2008-2011, he was given the additional responsibilities of Chairman, as well as executive management responsibility for AEGON's Canadian operations.Darryl earned a bachelor's degree from the University of Waterloo in Ontario, Canada. He is a Fellow of the Society of Actuaries, Fellow of the Canadian Institute of Actuaries, and a member of the American Academy of Actuaries. Prior to joining AEGON, Darryl was employed by Mutual Life Insurance Co. of Canada. Michiel van Katwijk As at September 1, 2012: CFO AEGON Americas 45, Dutch Michiel van Katwijk started his career with AEGON in 1991. He has held a number of financial positions, and was appointed Group Treasurer in 1999. From 2003 to 2005, Michiel oversaw the development of AEGON's Group Risk Department. He has been closely involved with AEGON's capital markets activities, as well as AEGON's investor relations program for many years. In 2005, Michiel was appointed Executive Vice President of AEGON N.V. and in 2010 as Head of the Corporate Financial Center. His current responsibilities include actuarial, accounting and reporting, as well as treasury and capital management, tax, and investor relations. Michiel holds a BBA from Nyenrode Business University and an MBA from the University of Rochester, New York. Cautionary note regarding non-GAAP measures This document includes a non-GAAP financial measure: underlying earnings before tax. The reconciliation of underlying earnings before tax to the most comparable IFRS measure is provided in Note 3 "Segment information" of AEGON's Condensed consolidated interim financial statements.