 The Travelers Companies, Inc. NYSE:TRV Q4 2022 Earnings Conference Call January 24, 2023 9:00 AM ET Company Participants Abbe Goldstein - Senior Vice President, Investor Relations Alan Schnitzer - Chairman and Chief Executive Officer Dan Frey - Chief Financial Officer Greg Toczydlowski - Executive Vice President and President, Business Insurance Jeff Klenk - Executive Vice President and President, Bond Specialty Insurance Michael Klein - Executive Vice President and President, Personal Insurance Conference Call Participants Greg Peters - Raymond James Ryan Tunis - Autonomous Research David Motemaden - Evercore ISI Elyse Greenspan - Wells Fargo Meyer Shields - KBW Alex Scott - Goldman Sachs Yaron Kinar - Jefferies Operator Good morning, ladies and gentlemen. Welcome to the Fourth Quarter Results Teleconference for Travelers. 