 The Travelers Companies, Inc. NYSE:TRV Q3 2022 Earnings Conference Call October 19, 2022 9:00 AM ET Company Participants Abbe Goldstein - Senior Vice President, Investor Relations Alan Schnitzer - Chairman and Chief Executive Officer Dan Frey - Executive Vice President and Chief Financial Officer Gregory Toczydlowski - Executive Vice President and President, Business Insurance Jeffrey Klenk - Executive Vice President and President, Bond Specialty Insurance Michael Klein - Executive Vice President and President, Personal Insurance Conference Call Participants Gregory Peters - Raymond James Elyse Greenspan - Wells Fargo Securities, LLC Ryan Tunis - Autonomous Research U.S. LP David Motemaden - Evercore ISI Michael Zaremski - BMO Capital Markets Brian Meredith - UBS Joshua Shanker - Bank of America Merrill Lynch Meyer Shields - Keefe, Bruyette Woods Tracy Benguigui - Barclays Paul Newsome - Piper Sandler Michael Phillips - Morgan Stanley Alex Scott - Goldman Sachs Michael Ward - Citi Operator Good morning, ladies and gentlemen. Welcome to the Third Quarter Results Teleconference for Travelers. 