Great-West Lifeco Inc.

Thank you for standing by. Welcome to the Great West Life Co. Third Quarter 2025 Results Conference Call. As a reminder, all participants are in a listen-only mode and the conference is being recorded. After the presentation, there will be an opportunity for analysts to ask questions. To join the question queue, you may press star then the number one on your telephone keypad. Should you need assistance during the conference call, you may signal an operator by pressing star, then zero. I would like to turn the conference over to Mr. Shubha Khan, Senior Vice President and Head of Investor Relations at Great West Life Co. Please go ahead.

Thank you, Morgan. Hello, everyone, and thank you for joining the call to discuss our third quarter financial results. Before we start, please note that a link to our live webcast and materials for this call have been posted on our website at greatwestlifeco.com under the investor relations tab. Turning to slide two, I'd like to draw your attention to the cautionary language regarding the use of forward-looking statements, which form part of today's remarks. And please refer to the appendix for a note on the use of non-IFRS financial measures and important notes on adjustments, terms, and definitions used in this presentation. And turning to slide three, I'd like to introduce today's call participants. Joining us today are David Harney, our president and CEO, Don Nielsen, our group CFO, Jeff Poulin, CEO, Reinsurance, Ed Murphy, president and CEO, Empower, Fabrice Morin, president and CEO, Canada, Lindsay Ricks-Broom, CEO, Europe, Linda Kerrigan, our appointed actuary, and John Melvin, our new chief investment officer. We'll begin with prepared remarks, followed by Q&A. With that, I'll turn the call over to David.

Thanks, Hubert. Please turn to slide five. We had a great third quarter, delivering very strong results and executing effectively on our strategic priorities. Base earnings reached a new record high, but more importantly, I am very pleased that we saw good earnings growth in all our four segments, including double-digit base earnings growth in the US, Europe and capital and risk solutions. and mid-single-digit base earnings growth in our Canadian business. This performance underscores the strength of our market positions and the ability of our teams to meet evolving customer needs.