John Hall | SVP & Head, IR |
Michel Khalaf | CEO & President |
John McCallion | EVP & CFO |
Steven Goulart | EVP & CIO |
Oscar Schmidt | President, Latin America |
Ramy Tadros | President, U.S. Business |
Andrew Kligerman | Crédit Suisse |
Elyse Greenspan | Wells Fargo Securities |
Thomas Gallagher | Evercore ISI |
Jamminder Bhullar | JPMorgan Chase & Co. |
Ryan Krueger | KBW |
Humphrey Lee | Dowling & Partners Securities |
John Barnidge | Piper Sandler & Co. |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Fourth Quarter 2019 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 on the forward-looking statements in yesterday's earnings release.