MetLife (MET) Q3 2011 Earnings Call October 28, 2011 8:00 am ET Executives William J. Mullaney - President of the U.S. Business organization William J. Toppeta - President of International and President of International - Metropolitan Life Insurance Company Steven J. Goulart - Chief Investment Officer and Executive Vice President Steven A. Kandarian - Chief Executive Officer, President and Director
William J. Wheeler - Chief Financial Officer, Executive Vice President, Chief Financial Officer of Metropolitan Life and Executive Vice President of Metropolitan Life John McCallion - Head of Investor Relations and Vice President Analysts Andrew Kligerman - UBS Investment Bank, Research Division Colin W. Devine - Citigroup Inc, Research Division Jay Gelb - Barclays Capital, Research Division Thomas G. Gallagher - Crédit Suisse AG, Research Division Suneet Kamath - Sanford C. Bernstein & Co., LLC., Research Division Randy Binner - FBR Capital Markets & Co., Research Division A. Mark Finkelstein - Evercore Partners Inc., Research Division Joanne A. Smith - Scotia Capital Inc., Research Division Christopher Giovanni - Goldman Sachs Group Inc., Research Division Jeffrey R. Schuman - Keefe, Bruyette, & Woods, Inc., Research Division Nigel P. Dally - Morgan Stanley, Research Division John M. Nadel - Sterne Agee & Leach Inc., Research Division Jamminder S. Bhullar - JP Morgan Chase & Co, Research Division PresentationOperator Ladies and gentlemen, thank you for standing by. Welcome to the MetLife's Third 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 the federal securities laws, including statements relating to trends in the company's operations and financial results, and the business and the 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.