iA Financial Corporation Inc.

Good morning, ladies and gentlemen, and welcome to the Industrial Alliance Insurance and Financial Services Incorporated 2024 third quarter results. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question and answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. This call is being recorded on Wednesday, November 6, 2024. I would now like to turn the conference over to Marie-Annick, Head of Investor Relations.

Please go ahead.

Good morning and welcome to our 2024 Third Quarter Conference Call. All our Q3 documents, including press release, slides for this conference call, supplementary information package, and quarterly MD&E are posted in the Investor Relations section of our website at ia.ca. This conference call is open to the financial community, the media, and the public. I remind you that the question period is reserved for financial analysts. A recording of this call will be available for one week starting this evening. The archived webcast will be available for 90 days, and a transcript will be available on our website in the next week. I draw your attention to the forward-looking statement information on slide two, as well as the non-IFRS and additional financial measures information on slide three. Also, please note that a detailed discussion of the company's risk is provided in our 2023 MD&E available on CDAR and on our website with an update in our Q3 2024 MD&E release yesterday. I will now turn the call over to Denis Ricard, President and CEO.