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August 02, 2012 8:00 am ET
John McCallion - Head of Investor Relations and Vice President
Steven A. Kandarian - Chairman of The Board, Chief Executive Officer, President and Chairman of Executive Committee
Eric T. Steigerwalt - Interim Chief Financial Officer and Executive Vice President
William J. Wheeler - President of The Americas
Steven J. Goulart - Chief Investment Officer and Executive Vice President
Suneet L. Kamath - UBS Investment Bank, Research Division
John M. Nadel - Sterne Agee & Leach Inc., Research Division
A. Mark Finkelstein - Evercore Partners Inc., Research Division
Christopher Giovanni - Goldman Sachs Group Inc., Research Division
John A. Hall - Wells Fargo Securities, LLC, Research Division
Thomas G. Gallagher - Crédit Suisse AG, Research Division
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Second Quarter Earnings Release Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.
Before we get started, I would like to read the following statement on behalf of MetLife. Except with respect to historical information, statements made in this conference call constitute forward-looking statements within the meaning of federal securities laws, including statements relating to trends in the company's operations and financial results and the business and products of the company and its subsidiaries. MetLife's actual results may differ materially from the results anticipated in the forward-looking statements as a result of risks and uncertainties, including those described from time to time in MetLife's filings with the U.S. Securities and Exchange Commission. MetLife specifically disclaims any obligation to update or revise any forward-looking statement whether as a result of new information, future developments or otherwise.