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Lincoln National (LNC) Q3 2017 Results - Earnings Call Transcript

Nov. 02, 2017 4:31 PM ETLincoln National Corporation (LNC)
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Lincoln National Corp. (NYSE:LNC) Q3 2017 Earnings Call November 2, 2017 10:00 AM ET


Christopher A. Giovanni - Lincoln National Corp.

Dennis R. Glass - Lincoln National Corp.

Randal J. Freitag - Lincoln National Corp.


Erik Bass - Autonomous Research

Jamminder Singh Bhullar - JPMorgan Securities LLC

Suneet Kamath - Citigroup Global Markets, Inc.

Thomas Gallagher - Evercore ISI

Alex Scott - Goldman Sachs & Co. LLC

Robert Glasspiegel - Janney Montgomery Scott LLC

Ryan Krueger - Keefe, Bruyette & Woods, Inc.

Humphrey Hung Fai Lee - Dowling & Partners Securities LLC

Randy Binner - FBR Capital Markets & Co.


Good morning and thank you for joining Lincoln Financial Group's Third Quarter 2017 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later we will announce the opportunity for questions and instructions will be given at that time.

Now I'd like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead.

Christopher A. Giovanni - Lincoln National Corp.

Thank you, Crystal. Good morning, and welcome to Lincoln Financial's Third Quarter Earnings Call. Before we begin, I have an important reminder. Any comments made during the call regarding future expectations, trends and market conditions including comments about sales and deposits, expenses, income from operations, share repurchases and liquidity and capital resources, are forward-looking statements under the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from current expectations.

These risks and uncertainties are described in the cautionary statement disclosures in our earnings release issued yesterday and our reports on Forms 8-K and 10-Q filed with the SEC. We appreciate your participation today and invite you to visit Lincoln's website, www.lincolnfinancial.com where you can find our

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