Good morning. I would like to turn it over to Ms. Egan to commence the meeting. Please go ahead. Good morning, ladies and gentlemen, and welcome to the 2023 annual meeting of shareholders of The Hanover Insurance Group Inc. My name is Cynthia Egan, and I am chair of the company's board of directors. Thank you for your participation in the meeting this morning. With me is Jack Roche, president and chief executive officer, and a director of the company. As chair, I will serve as presiding officer and lead the formal part of our meeting this morning. After we have concluded the formal part of the meeting, Jack will provide a brief presentation, and we will have an opportunity for questions and comments. This year, we are holding our meeting in person. For the benefit of interested listeners, we are transmitting the audio portion of the meeting and accompanying slide presentation through a live webcast posted on our website. At this time, I call the meeting to order. In addition to Jack and me, the other directors in attendance are Francisco Aristeguieta, Kevin Bradicich, Theo Bunting, Jane Carlin, Paul Condrin, Marty Hughes, Wendell Knox, Kathy Lane, Joe Ramrath, T. Taggart, and Betsy Ward. I ask that the board members stand together to be recognized as a group. The company's tabulation agent, Mediant Communications, has delivered an affidavit of mailing establishing that notice of this meeting was duly given. The notice, along with the proxy statement for the meeting, were made available to shareholders on March 24, 2023. A copy of the notice of meeting and the affidavit of mailing will be filed with the minutes of this meeting. All shareholders of record at the close of business on March 17th, 2023, are entitled to vote at this meeting. A representative from Mediant is here today and has been appointed Inspector of Elections. The inspector has informed me that the company has received valid proxies representing a majority of the outstanding shares. Accordingly, a quorum is present. The board has proposed five items for consideration, discussion, and voting, all of which are set forth in the company's proxy statement. They are as follows. The election of directors. Francisco Aristeguieta, Jane Carlin, and Betsy Ward have each been nominated to serve for a three-year term. Number two, approval of the 2023 employee stock purchase plan. Number three, consideration of an advisory vote on executive compensation, the so-called Say on Pay vote. Number four, consideration of an advisory vote on the frequency of holding an advisory vote on executive compensation. Number five, the ratification of the appointment of PricewaterhouseCoopers LLP as the independent registered public accounting firm of the company for 2023. At this time, I would like to ask for a motion with respect to each of the proposals. Moved. Representatives of PricewaterhouseCoopers are also attending today's meeting and will be available for questions during the discussion period. I would now like to open the floor for discussion by shareholders of these specific proposals before the meeting. Following this discussion, we will distribute ballots to any shareholders who wish to vote in person. If you are a shareholder of record as of March 17, 2023, and have a question regarding these proposals, please raise your hand to be recognized. Please state your name and indicate whether you are a shareholder or hold a valid proxy before asking your questions. If you have questions or comments other than these proposals or wish to propose other matters, time will be allowed for that in just a few minutes. It appears there is no further discussion or questions regarding these proposals, which were set forth in the company's proxy statement. I declare that the polls are now open for receipt of votes by ballot. If you are either a shareholder of record or hold a valid proxy and you want to change your vote or vote for the first time, then please raise your hand and one of the ushers will provide you with a ballot. I declare that the polls are now closed for voting. Please allow us a moment to determine the voting results. I have been informed by the inspector that each of the nominees for election to the board of directors has been duly elected. The 2023 employee stock purchase plan, the advisory proposal on Say on Pay, and the proposal regarding our independent auditors have each been approved, in each case, by more than 96% of shares voting. The advisory vote on the frequency of the Say on Pay advisory proposal has been approved for every one year. Now, before we close the formal part of the meeting and move to management's presentation and session for questions, is there any other business to properly come before the meeting? Again, there will be time for questions in a few moments. Seeing that there are no questions, before closing out the formal part of the meeting, I would like to take a moment to note the retirement of two longstanding and dedicated board members, Wendell J. Knox and T. Taggart. Wendell has been a member of our board since 1999, and most recently served as Chair of the Compensation and Human Capital Committee until 2021. He also previously served as the Chair of the Nominating and Corporate Governance Committee. T. has been a member of our board since 2009 and once served as Chair of the Audit Committee and also the Nominating and Corporate Governance Committee. Both enjoyed tremendous success in their respective fields, and they then leveraged their business experiences to provide unique and valuable insights to The Hanover as it grew and transformed into one of the premier property casualty insurance companies in the country. On a personal level, I know I speak for the entire board and management when I say that their guidance and wisdom will be deeply missed, along with their collegiality and candor. T. and Wendell, thank you very much. Since there is no further business on the agenda, the formal portion of the meeting is adjourned, and we will now turn to management's presentation, followed by questions or comments. My pleasure to introduce our Chief Executive Officer, Jack Roche. Thank you, Cynthia, and good morning to everybody. Thank you for being here. I will speak to a few prepared remarks, and we have some lovely slides and background to accompany my comments. Today, I am very pleased to share an update on our company's continued progress, growth momentum, unique culture, and competitive position. To reflect on our recent financial performance and highlight the steps we are taking to execute on our winning strategy. I am proud of all that our team has accomplished, and I am more confident than ever we have what it takes to be successful well into the future. 2002 was a year marked by great change and challenge. Turbulent financial markets, supply chain challenges, and inflation continue to be problematic. Geopolitical instability and a changing competitive employment market are even more prevalent. Changing weather patterns and persistent extreme weather were increasingly challenging for our company and for our industry overall. We persevered through these significant macro and industry challenges, adapting to evolving market conditions, maintaining our focus, leveraging our rigorous financial discipline, and making meaningful progress on our journey to be the premier property and casualty company in the independent agency channel. Our financial performance in 2022 is a reflection of unusually high catastrophe losses and lingering economic challenges, but also of our disciplined approach to underwriting and exposure management, the strength and commitment of our team, and prudent capital management. For the year, we delivered operating income of $5.53 per share, despite significant weather-related losses. An operating return on equity of 6.7%, a 92.1% ex-CAT combined ratio, and surpassing $5.5 billion in net written premium with growth of 9.7%. We grew net investment income to $296.3 million, exceeding our expectations for the year, and increased pricing across all of our major lines of business. At the same time, we effectively manage our capital, returning $140 million to our shareholders through dividends and share repurchases, underscoring the effectiveness of our differentiated strategy and reaffirming our board's confidence in the long-term earnings potential of our business. With a rock-solid financial foundation in place, we are well-positioned to withstand today's headwinds and continue to deliver strong, sustainable, profitable growth going forward. Our results in the first quarter of this year were mixed, reflecting more weather-related challenges and other persistent market pressures, but also the strength of our underlying business and our ability to effectively respond to dynamic market conditions. Widespread and damaging storms across the U.S. impacted both our commercial and personal lines businesses and turned what would have been a solid quarter into a break-even one. I would be remiss if I didn't acknowledge the extraordinary efforts of our claims team over the past few months as they responded to the needs of our customers in the wake of these storms. Based on strong feedback from our insureds and agent partners, we know that our claims adjusters rose to the occasion and lived up to the high standards we have established over the years. At the same time, however, we reported strong growth with net premiums written of 8.3% with solid contributions across all major business segments. Net investment income of $78.7 million, up 2.3% from the prior year quarter. Strong underwriting performance as evidenced by our 91.7% ex-CAT combined ratio. Changing weather patterns and more frequent extreme weather events obviously are substantially impacting our industry. In 2022, the U.S. experienced 18 separate weather or climate disasters that each resulted in at least $1 billion in damages. With eight named storms resulting in two major hurricanes, severe freeze and winter storm activity impacting widespread geographies across the country last year, weather is having an increasingly significant impact on our industry. We are more committed than ever to navigate these challenges, investing a great deal of time and effort to better understand evolving weather trends, to anticipate the impact on our customers and our business, and refine our exposure and risk management strategies. We continue to advance our disciplined underwriting and pricing practices while promoting our risk prevention tools and programs. We fully expect the steps we have taken and those that we continue to take will enable us to adjust to effectively manage our catastrophe exposures, as we have done so well over the past decade. We are determined to respond strategically, leveraging our skills and experience to create solutions and opportunities for our agents, customers, and our company. Over the last 10 years, we have transformed our company and diversified our portfolio by geographic market, lines of business, and product mix. An important part of that transformation has been the expansion of our specialty portfolio. In 2022, we took this business segment to a new level, delivering strong growth while effectively spreading our risks by product line. Since 2010, we have more than doubled the size of this business to $1.2 billion in net premiums written. This substantial growth is the result of several strategic acquisitions earlier in our journey, and the strong organic growth that we drove with our unique strategy. Our specialty business increased net written premiums by 10.2% in 2022, building on its strong market position and delivering above-average returns. With an ex-CAT combined ratio of 86.8% in 2022, this business delivered enhanced profitability, demonstrating the strength of our offering, our agency partnership model, and our ability to access high-margin specialty business. We continued to strengthen our distribution channel in 2022 as well, effectively gaining market share with our best agency partners, helping them succeed, and improving customer experience in the midst of continuing agency consolidations and a challenging employment market. By leveraging our experienced field teams in their local markets, offering high-quality products and services, and bringing proprietary data and analytics to the table, we helped our agency partners manage challenging market conditions and achieve their goals during the year. Our strong agency relationships once again proved to be a tremendous asset as we implemented rate increases throughout 2022 and as we promoted customer acceptance of new risk solutions for our mutual customers. At the same time, we continued to make significant investments in innovation, efficiency, and modernization across the enterprise and the insurance value chain, improving our agent and customer experiences. The data and analytical capabilities we have developed in recent years served us extremely well in 2022, allowing enhanced underwriting analysis, superior decision-making, and rating structure changes for specific states and risks. We also continued to make impactful progress on our customer service and claims platforms, leading to improved customer experience and creating valuable data to help us more proactively manage our portfolio of risk throughout our businesses. Our willingness and ability to embrace innovation has paid significant dividends in the recent years and will continue to do so as we drive our business forward. Among the most important investments we've made are those that enable us to retain and attract the best talent and to build a culture based on trust and respect. These efforts have not gone unnoticed. Over the past year, our company has been recognized by Forbes as one of America's best mid-size employers, by Newsweek as one of America's most responsible companies, by the Human Rights Campaign as a Best Place to Work for LGBTQ equality, by Fairygodboss as a best company for women and best company for supporting gender diversity, and by JUST Capital as one of the top 125 of America's most just companies, placing us in the top quartile of public companies. We remain fully committed to our core values of collaboration, accountability, respect, and empowerment, as well as to our goal to ensure inclusion, diversity, and equity across our organization. I am very proud of the significant strides we are making in the area of inclusion, diversity, and equity. During 2022, we continued to weave ID&E principles across our businesses and throughout our culture. These principles are evident in many ways throughout our company, from our recruiting process to our learning and development programs, and in the goals we established for our leadership team. For example, we continued to invest in several employee-led business resource groups throughout the year, enabling these groups to host internal events, bring in guest speakers, provide support to relevant community projects, all while creating a sense of belonging for our employees. These efforts have brought positive momentum to our organization as we strive to attract and retain the talented team required to drive sustainable, profitable growth in a rapidly changing world. At the same time, we are more committed than ever to deliver on our promise to be a responsible organization, governing our actions with integrity and honesty, making a difference in our communities, and protecting the environment. Once again, our employees and our company came together in our annual employee giving campaign, benefiting hundreds of local nonprofit organizations and countless individuals and families across the country, contributing approximately $1.5 million through the United Way. We also made numerous contributions through our charitable foundation, providing support for public education, after-school and summer programs, shelters and food pantries, family health and safety, and disaster relief. Furthermore, we published our inaugural sustainability report, highlighting the progress we have made to develop and support important environmental, social, and governance endeavors for our company. In addition, we established a new employee-led green team to help educate and engage our stakeholders about the importance of sustainability, both for our company and for our community. The pace of change continues to accelerate in the world we ensure, and I am confident we have the vision, team, capabilities, and determination to compete and emerge a winner. We have a proven business strategy that is evolving to meet the needs and opportunities for tomorrow. We are executing a dual horizon approach to strategic planning that enables us to deliver strong results in the near term while building our capabilities and vision for the future. This enables us to remain intently focused on the current environment to ensure we are meeting the needs of our key constituents today, while also enabling us to make bold decisions about our future, addressing trends that could impact our company and the industry over the long term. Most importantly, we are working from a position of strength, leveraging our solid foundation, and I have the utmost confidence we will deliver on our promises to our policyholders, our agents, our shareholders, and our employees. Thank you very much. Now we will open the floor for any questions. All right. Do we have any questions from the floor? Yes. Please come up to the mic and if you could state your name. Sure. No problem. Good morning, everybody. Madam Chair, my name is David Menashian. I represent Carpenter Union Pension Funds that collectively hold 99,870 shares of Hanover Insurance Group. We support the company's corporate governance practices and the executive compensation plan. My question today relates to recent Securities and Exchange Commission disclosures regarding compensation actually paid and the pay versus performance illustrations. Specifically, I was wondering if the Compensation Committee has been prompted due to these disclosures to make any changes in the mix of equity within the compensation, financial or qualitative metrics in the plan or the target levels of compensation. Thank you. David. Thank you. Nice to see you again. Thank you for your thoughtful question as always. I'd like to turn that question over to the chair of our Compensation Committee, Paul Condrin. Thank you, Mr. Menashian for the question and for joining us today. While the pay for performance, the new disclosure requirements are new, I think the principles behind it are not. The primary objective in designing our executive compensation programs has always been to ensure a meaningful relationship between the compensation paid to the executives as well as the overall success of the company, and aligned, of course, with shareholder value creation. While we believe the new SEC requirement may prove useful to understanding better the relationship between pay and performance, we believe the required disclosure metrics are not the only meaningful measures of success for an organization. Accordingly, we did not feel it necessary to alter our 2023 compensation program. However, as always, we'll carefully monitor the feedback from our shareholders as we evaluate our compensation programs going forward. I'd just like to say that we're very pleased that our proxy vote on shareholder approval of Say on Pay advisory vote has been positively in favor for the last 11 years. We hope that will continue going forward. Really appreciate your question, and thank you for coming today. Thank you very much. Thank you. Are there any other questions from the audience? Yes. Good morning, Madam Chair. My name is Fred Teal. I also represent the Carpenter's Pension Fund. My question relates to the issue of officer personal liability for fiduciary duty violations. Delaware corporate law now permits corporations to amend their certificate of incorporation to limit personal liability, senior corporate officers for monetary damages in connection with officer breach of their fiduciary duty of care. Has the board discussed officer liability issues, and if so, is there consideration of advancing the certificate amendment? Thank you. Thank you for attending and for your question. I'd like to ask Joe Ramrath, the Chair of our Nominating and Corporate Governance Committee, to respond. Good morning. I guess I would say, too, that we really appreciate having thoughtful and engaged shareholders like the Carpenters Union has been for so long. Appreciate you being here. As you might suspect, the Nominating and Corporate Governance Committee is continuously aware of developments around the governance rules and regulations and the environment that we're operating in. We periodically undertake a very thorough review of our own governance documents. Typically, that takes place in our fall meeting. Although we're aware of the change in the Delaware law, we haven't really yet undertaken a real discussion about it. Our legal team has been tasked over the course of the summer with taking a close look, a fresh look at our certificate of incorporation and bylaws and giving us the opportunity to discuss that when we get together in the fall. I'm sorry I don't have a more substantive answer to your question, but I suspect later in the year we'll be in a much better position to be able to respond. Thank you. Thank you. Any further questions? All right. If not, just in closing, I say, Jack, I speak for the board when I say congratulations and thank you to you and to absolutely every associate of The Hanover. You have all worked very, very hard to respond to many environmental challenges, and you are proactively prepared for a very bright future, all the while maintaining your special and supportive culture for every employee. Finally, I want to thank you, the shareholders, for your confidence and support of The Hanover. Thank you very much. With that, it concludes our annual meeting.