 MetLife, Inc. NYSE:MET Q3 2022 Earnings Conference Call November 3, 2022 9:00 AM ET Company Participants John Hall - Head of Investor Relations Michel Khalaf - President Chief Executive Officer John McCallion - Executive Vice President Chief Financial Officer Steven Goulart - Executive Vice President Chief Investment Officer Ramy Tadros - President, U.S. Business Eric Clurfain - Regional President, Latin America Conference Call Participants Jimmy Bhullar - JPMorgan Ryan Krueger - KBW Tom Gallagher - Evercore ISI Erik Bass - Autonomous Research Alex Scott - Goldman Sachs Suneet Kamath - Jefferies Elyse Greenspan - Wells Fargo Wilma Burtis - Raymond James Operator Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Third Quarter 2022 Earnings Release Conference Call. 