A. CEO ASSESSMENT AND OUTLOOK … driving multiple levers for value creation 1 Transforming our Scale Life/AM Capital productivity Protection & Life & AM franchise convergence of Life in-force health growth 2 Expanding our P/C “Beat the best” Refocus Growth leadership position in retail commercial markets 3 Boosting growth through Customer-facing Operating Digital our scalable platforms platforms platforms marketplaces 4 Driving verticalization & Global operating Customer loyalty Digital execution agility models leadership productivity 5 Reinforcing capital Capital Organizational Tail-risk productivity & resilience efficiency resilience & diversity management 11 A 9