 The Toronto-Dominion Bank NYSE:TD Q4 2022 Earnings Conference Call December 1, 2022 1:30 PM ET Company Participants Brooke Hales - Investor Relations Bharat Masrani - Chief Executive Officer Kelvin Tran - Chief Financial Officer Ajai Bambawale - Chief Risk Officer Michael Rhodes - Group Head, Canadian Personal Banking Paul Douglas - Group Head, Canadian Business Banking Raymond Chun - Group Head, Wealth Management and Insurance Leo Salom - President and Chief Executive Officer, TD Bank, Americas Most Convenient Bank Riaz Ahmed - Group Head, Wholesale Banking Conference Call Participants Gabriel Dechaine - National Bank Financial Meny Grauman - Scotiabank Paul Holden - CIBC Doug Young - Desjardins Bank Capital Markets Lemar Persaud - Cormark Securities Sohrab Movahedi - BMO Capital Markets Joo Ho Kim - Credit Suisse Mike Rizvanovic - KBW Research Scott Chan - Canaccord Genuity Operator Good afternoon, everyone and welcome to the TD Bank Group Q4 2022 Earnings Conference Call. I would now like to turn the meeting over to Ms. 