John Hall | SVP & Head, IR |
Michel Khalaf | President & CEO |
John McCallion | EVP & CFO |
Ramy Tadros | EVP & President, U.S. Business |
Steven Goulart | EVP & CIO |
Kishore Ponnavolu | MetLife Insurance KK & President-Asia Region |
Oscar Schmidt | President, Latin America |
Elyse Greenspan | Wells Fargo |
Tom Gallagher | Evercore |
Ryan Krueger | KBW |
Nigel Dally | Morgan Stanley |
Eric Bass | Autonomous Research |
Suneet Kamath | Citi |
Jimmy Bhullar | JPMorgan |
Humphrey Lee | Dowling & Partners |
John Barnidge | Piper Sandler |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Third Quarter 2020 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.