low-income seniors live in unsafe housing, we worked  with a Habitat for Humanity program to renovate homes. Similarly, in Taiwan, Cigna helped to provide health  and social services to disabled seniors living in poverty.  These are just a few of the ways that the Cigna team  strives to be a force for good around the world. Cigna was also proud to be recognized in 2012 by the  Alzheimer’s Association for our service and philanthropy  in the fight against Alzheimer’s disease. Second, we use our understanding of our customers’ needs  to identify the right products for the right customers at the right time – which we refer to as  consultative selling  and distribution . Among other areas, this plays a  critical role in Cigna’s ability to effectively address and  capitalize on the growing market opportunities presented  by globally mobile individuals and employers, whose  evolving needs require the power, collaboration and  flexibility of the Cigna network of more than one million  health care professionals worldwide. A third differentiator is our  best-in-class physician  engagement and partnership programs , which improve health care quality and overall affordability. In the United States, Cigna continues to strengthen our  physician partnerships through our rapidly growing  number of collaborative accountable care initiatives  spanning 22 states – which, when combined with our  HealthSpring seniors programs, are already serving  nearly one million customers. We view our physician  engagement strategy as a critical aspect of improving  health outcomes and affordability while expanding  the rewards for top-performing physicians and health  systems. Cigna’s physician relationships increase  the likelihood that individuals get health screenings  and refill prescriptions, reduce their use of hospital  emergency rooms, increase their preventive health visits  and improve follow-up care for those transitioning from the hospital to home – encouraging better quality of care and a more affordable outcome.  We are prepared to build on the progress and investments  we’ve made in the past three years since implementing  our “Go Go Go” strategy. Our company comprises more  than 35,000 people around the world who are proud and  passionate about our customers and our mission. We’re  excited about the future. Cigna’s clarity of direction, focus  and outstanding team – together with the powerful belief  in the potential of each customer – give us a rock-solid  foundation for continued success. Thank you for your  confidence and investment in us.  As we look forward to 2013 and beyond and assess  the transforming global economic and regulatory  environment, we are confident that our strong product  portfolio, financial flexibility and ability to create new  opportunities in target geographies will continue to  create solid growth for Cigna.  Looking Ahead: 2013 and Beyond In Our Communities Just as important as Cigna’s strategy and financial  results is the value our global team delivers every day  to help the people we serve. In a noteworthy milestone,  the Cigna Foundation celebrated its 50th anniversary in  2012, and has given $220 million to worthy causes in its first five decades. Our employees stepped up time and again in 2012 to  help communities whose needs are as varied as they  are great. For example, our employees raised funds for  victims’ families immediately after the tragic Sandy  Hook, Connecticut school shooting. In Shanghai, where  * Adjusted income (loss) from operations is a non-GAAP measure used to  describe the Company’s financial results. A definition of adjusted income from  operations along with a reconciliation to the most directly comparable GAAP  measure is contained in Management’s Discussion and Analysis of Financial  Condition and Results of Operations on page 35 of the Form 10-K included in  this annual report.  7 David M. Cordani President and Chief Executive Officer