 XP Inc. NASDAQ:XP Q3 2022 Earnings Conference Call November 8, 2022 5:00 PM ET Company Participants Andre Martins - Head of Investor Relations Bruno Constantino - Chief Financial Officer Conference Call Participants Tito Labarta - Goldman Sachs Geoffrey Elliott - Autonomous Research Thiago Batista - UBS Group AG Jorge Kuri - Morgan Stanley Mario Pierry - Bank of America Merrill Lynch Marcelo Telles - Credit Suisse Andre Martins Good evening, everyone. Thanks for waiting. 