 Nu Holdings Ltd. NYSE:NU Q3 2022 Results Conference Call November 14, 2022 5:00 PM ET Company Participants Jorg Friedemann - IR Officer David Vélez - Founder, CEO and Chairman Youssef Lahrech - President and COO Guilherme Lago - CFO Jag Duggal - Chief Product Officer Conference Call Participants Jorge Kuri - Morgan Stanley Mario Pierry - Bank of America Tito Labarta - Goldman Sachs Thiago Batista - UBS Geoffrey Elliott - Autonomous Marcelo Telles - Credit Suisse Pedro Leduc - Itaú Rafael Frade - Citibank Jamie Friedman - SIG Eugene Simuni - MoffettNathanson Alex Markgraff - KeyBanc Operator Good afternoon, ladies and gentlemen. 