3Q23 Earnings Call November 2, 2023 Expanding access to investing, insurance, and retirement security Key Messages Transforming our business for sustainable growth WE MAKE LIVES BETTER by Navigating the macro environment SOLVING the FINANCIAL CHALLENGES with our rock solid balance sheet of CHANGING WORLD our Maintaining balanced and disciplined capital deployment Expanding access to investing, insurance, and retirement security 2 Transforming Our Business for Sustainable Growth Reducing market sensitivity a ...