 Tokio Marine Holdings, Inc. OTCPK:TKOMY Q2 2022 Earnings Conference Call November 18, 2022 1:00 AM ET Company Participants Taizou Ishiguro - Head, Investor Relations Satoru Komiya - President and Group Chief Executive Officer Kenji Okada - Group Chief Financial Officer Tsuyoshi Nagano - President, Corporate Funding Toshihiro Yahata - President, Corporate Planning Kichiichiro Yamamoto - Corporate Accounting and Financial Balancing Yoshinori Ishii - Managing Executive Officer Group CLCO Conference Call Participants Masao Muraki - SMBC Nikko Natsumu Tsujino - Mitsubishi UFJ Securities Tamaki Murooka - Nomura Securities Tatsuo Majima - Tokai Tokyo Securities Koichi Niwa - Citigroup Securities Taiki Okada - UBS Securities Futoshi Sasaki - Bank of America Satoru Komiya Good evening, everyone and hello. My name is Komiya. 