 Manulife Financial Corporation NYSE:MFC Q3 2022 Results Conference Call November 10, 2022 8:00 AM ET Company Participants Hung Ko - IR Roy Gori - President, CEO Phil Witherington - CFO Steve Finch - Chief Actuary Damien Green - President CEO, Manulife Asia Marc Costantini - Global Head, Inforce Management Paul Lorentz - President CEO, Global Wealth Asset Management Conference Call Participants Gabriel Dechaine - National Bank Financial Meny Grauman Scotiabank Paul Holden CIBC Doug Young - Desjardins Capital Markets Tom Gallagher - Evercore ISI Tom MacKinnon - BMO Capital Markets Mario Mendonca - TD Securities Lemar Persaud - Cormark Securities Nigel DSouza - Veritas Investment Research Darko Mihelic - RBC Capital Markets Operator Good morning, and welcome to the Manulife Financials Third Quarter 2022 Financial Results Conference Call. Your host for today will be Mr. 