John Hall | Global Head, Investor Relations |
Michel Khalaf | President and CEO |
John McCallion | Chief Financial Officer |
Kishore Ponnavolu | President, Asia Region |
Ramy Tadros | President, U.S. Business |
Steve Goulart | Executive Vice President and CIO |
Eric Clurfain | Head, LatAm |
Erik Bass | Autonomous Research |
Andrew Kligerman | Crédit Suisse |
Tom Gallagher | Evercore |
Jimmy Bhullar | JPMorgan |
Ryan Krueger | KBW |
Nigel Dally | Morgan Stanley |
Suneet Kamath | Citi |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Fourth Quarter 2020 Earnings Release and Outlook 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.