® life insurance carrier to make GRAIL’s Galleri test available, we are enabling eligible customers to take proactive steps to better understand and make more informed choices about their health; and • Reported record APE sales and case placements in our international business. We signed new distributors in the Latin America region and launched a whole life product to support continued sales growth and diversify the business across geographies. In 2022, we achieved the following digital successes, improving the producer and customer experience while also contributing to a more cost-efficient operation: • Reduced the average time to complete background checks for new producers within our digital brokerage and traditional brokerage channels by over 90% via automation; • Accelerated new producers’ ability to place cases with John Hancock from two business days to just minutes, by automating the scheduling of appointments into our digital brokerage licensing system; • Reduced call volumes for enquiries related to John Hancock Vitality customer login and registration by 39% compared with 2021 by optimizing self-service functionality; • Enabled third-party ownership submission of life insurance applications via JH eApp. This advancement allows even very large cases, which are typically trust-owned, to take advantage of our digital experience; and • Improved producer experience and customer response times by launching eDelivery notification of client correspondence. 31