Manulife Financial Corporation

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Being recorded. Good morning and welcome to the Manulife Financial Third Quarter 2021 Financial Results Conference Call. Your host for today will be Mr. Han Ko. Please go ahead, Mr. Ko.

Thank you and good morning. Welcome to Manulife's Earnings Conference Call to discuss our Third Quarter 2021 Financial and Operating Results. The earnings release, financial statements, and related MD&A, statistical information package, and webcast slide for today's call are available on the Investor Relations section of our website at manulife.com. Turning to slide four, we will begin today's presentation with an overview of our third quarter highlights and update on our strategic priorities by Roy Corey, our president and executive officer. Following Roy's remarks, Phil Riffington, our chief financial officer, will discuss the company's financial and operating results. After the prepared remarks, we will move on to the live question and answer portion of the call. We ask each participant to adhere to a limit of two questions, including four questions. If you have additional questions, please reach out, and we will do our best to respond to all questions. Before we start, please refer to slide two for a caution on forward-looking statements, and slide 32 for a note on the use of non-GAAP financial measures in this presentation. Note that certain material factors or assumptions are applied in making forward-looking statements, and actual results may differ materially from what is stated. With that, I'd like to turn the call over to Roy Gorey, our President and Chief Executive Officer. Roy.