 The Bank of Nova Scotia NYSE:BNS Q3 2022 Earnings Conference Call August 23, 2022 8:00 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Group Head, Canadian Banking Nacho Deschamps - Group Head, International Banking Digital Transformation Jake Lawrence - Global Banking Markets Conference Call Participants Ebrahim Poonawala - Bank of America Gabriel Dechaine - National Bank Financial John Aiken - Barclays Scott Chan - Canaccord Genuity Mario Mendonca - TD Securities Lemar Persaud - Cormark Securities Doug Young - Desjardin Capital Markets Sohrab Movahedi - BMO Capital Markets John McCartney Good morning, and welcome to Scotiabanks 2022 Third Quarter Results Presentation. My name is John McCartney, and Im Head of Investor Relations here at Scotiabank. 