MetLife, Inc.

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. As a reminder, this conference is being recorded. Before we get started, I refer you to the cautionary note about forward-looking statements in yesterday's earnings release and to risk factors discussed in MetLife's SEC filings.

with that i will turn the call over to john hall global head of investor relations thank you operator good morning everyone we appreciate you joining us for metlife's fourth quarter 2020 earning the near-term outlook call before we begin i refer you to the information on non-gap measures the investor relations portion of metlife.com in our earnings release and in our quarterly financial supplements which you should review on the call this morning are michelle halaf president and chief executive officer and john mccallion chief financial officer also participating in the discussions are other members of senior management

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