Dear fellow shareholders, Looking back on all we’ve accomplished over the past year, I’m tremendously proud of the way our colleagues once again showed their creativity, resilience, and innovative spirit. With the pandemic continuing to impact many of our markets through much of the year, our team focused on supporting our existing customers—and reaching new ones—knowing how important our products are to ensuring their well-being and financial future. Our colleagues also adapted to new ways of working, as we reopened our offices and migrated to our new Working Better approach. With international travel resuming, I had the privilege of visiting many of our teams for the first time since 2020, and it was wonderful to connect and re-connect in person after such a long time away. For me, it underscored the value of the time we spend together, and I’ve come away from each interaction feeling energized and optimistic about our future. The end of 2022 marked five years since we embarked on our journey to become the most digital, customer-centric global company in our industry. At that time, we set out five strategic priorities— accelerate growth; digital, customer leader; expense efficiency; portfolio optimization; and high performing Roy Gori team—essential to achieving our bold ambition. Today, thanks to our President and Chief Executive Officer disciplined approach, we’ve delivered record net income and remittances, significantly improved our Net Promoter Score (NPS), industry- leading team and culture, and strong market leadership positions across attractive markets and businesses. In Asia, we are not only at scale as a top three pan-Asian insurer, but we are well positioned to benefit from the 4 | 2022 Annual Report