On our call today, Mike McGavick, XL Group's CEO, will offer opening remarks; Pete Porrino, XL's Chief Financial Officer will review our financial results; followed by Greg Hendrick, our Chief Executive of Insurance Operations and Jamie Veghte, our Chief Executive of Reinsurance Operations, who will review their segment results and market conditions. Then we'll open it up for questions. Among those also available for questions are Susan Cross, our Global Chief Actuary; Sarah Street, our Chief Investment Officer and Steve Robb, our Controller.

Before they begin, I'd like to remind you that certain of the matters we'll discuss today are forward-looking statements. These statements are based on current plans, estimates, and expectations. Forward-looking statements involve inherent risks and uncertainties and a number of factors could cause actual results to differ materially from those contained in the forward-looking statements, and therefore you should not place undue reliance on them.

Forward-looking statements are sensitive to many factors, including those identified on our Annual Report on Form 10-K, our quarterly reports on Form 10-Q, and other documents on file with the SEC that could cause actual results to differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date at which they are made and we undertake no obligation publicly to revise any forward-looking statement in response to new information, future developments, or otherwise.

With that, I'll turn it over to, Mike McGavick.

Michael S. McGavick

Good evening. Tonight, we are pleased to discuss XL's second quarter results. Results with intermediaries have us greatly encouraged, and make no mistake. We are not yet where we want to be across the board, but our actions are taking hold and we are beginning to see emerge the target book we have discussed with you before. So while our work continues in absolute and relative terms this is a very solid quarter.

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