 The Bank of Nova Scotia NYSE:BNS Q4 2022 Earnings Conference Call November 29, 2022 8:00 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President and Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Canadian Banking Nacho Deschamps - International Banking Glen Gowland - Global Wealth Management Jake Lawrence - Global Banking and Markets Conference Call Participants Ebrahim Poonawala - BofA Securities Paul Holden - CIBC Capital Markets Doug Young - Desjardins Capital Markets Gabriel Dechaine - National Bank Financial Mario Mendonca - TD Securities Scott Chan - Canaccord Genuity Darko Mihelic - RBC Capital Markets Sohrab Movahedi - BMO Capital Markets John McCartney Good morning, and welcome to Scotiabanks 2022 Fourth Quarter Results Presentation. My name is John McCartney. 