Manulife Financial Corporation

All participants, please continue to stand by. The conference will begin momentarily. Once again, please continue to stand by. We thank you for your patience. This conference is being recorded.

Please stand by. Your meeting is ready to begin. Please be advised that this conference call is being recorded. Good morning, ladies and gentlemen. Welcome to the Manulife Financial Second Quarter 2025 Financial Results Conference Call. I would now like to turn the meeting over to Mr. Koh. Please go ahead, Mr. Koh.

Thank you. Welcome to Manulife's Earnings Conference Call to discuss our second quarter 2025 financial and operating results. As part of today's call, we'll also discuss our acquisition of ComFest credit partners that was announced yesterday afternoon. Our earnings materials, as well as material related to the transaction, including the webcast slides for each respective presentation, are available on the Investor Relations section of our website at manylight.com. Before we start, please refer to the slides containing a caution on forward-looking statements and a note on the non-GAAP and other financial measures used in each of the respective presentations. Please note that certain material factors or assumptions are applied in making floor-looking statements, and actual results may differ materially from what is stated. Turning to slide four, we'll begin today's presentation with Phil Worthington, our new President and Chief Executive Officer, who will provide a highlight of our second quarter 2025 results and a strategic update. Following Phil, Colin Simpson, our Chief Financial Officer, will discuss the company's financial and operating results in more detail before he hands it over to Paul Lorenz, our President and CEO of Manulife Wealth and Asset Management. will discuss the acquisition of ComFast Credit Partners. After their prepared remarks, we'll move to the live Q&A portion of the call. I would like to remind each participant to adhere to a limit of two questions, including follow-ups, and to re-queue if you have additional questions. With that, I'd like to turn the call over to Phil.