John Hall | SVP & Head, IR |
Michel Khalaf | CEO, President & Director |
John McCallion | EVP & CFO |
Steven Goulart | EVP & CIO |
Ramy Tadros | EVP & President, U.S. Business |
Erik Bass | Autonomous Research |
Thomas Gallagher | Evercore ISI |
Ryan Krueger | KBW |
Elyse Greenspan | Wells Fargo Securities |
Jamminder Bhullar | JPMorgan Chase & Co. |
Humphrey Lee | Dowling & Partners Securities |
Andrew Kligerman | Crédit Suisse |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Second Quarter 2020 Earnings Release Conference Call. [Operator Instructions].
As a reminder, this conference is being recorded.
Before we get started, I refer you to the cautionary note about forward-looking statements in yesterday's earnings release and to risk factors discussed in MetLife's SEC filings.