John Hall | Head of Investor Relations |
Steve Kandarian | Chairman, President & Chief Executive Officer |
John McCallion | Chief Financial Officer |
Michel Khalaf | President, U.S. Businesses & EMEA |
Kishore Ponnavolu | President, Asia |
Steve Goulart | Executive Vice President & Chief Investment Officer |
Andrew Kligerman | Credit Suisse |
Tom Gallagher | Evercore |
Ryan Krueger | KBW |
Jimmy Bhullar | JPMorgan |
Erik Bass | Autonomous Research |
John Nadel | UBS |
Alex Scott | Goldman Sachs |
Humphrey Lee | Dowling & Partners |
John Barnidge | Sandler O'Neill |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife’s Fourth Quarter 2018 Earnings Release Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Instructions will be given at that time.