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John McCartney: Good morning, and welcome to Scotiabank s 2023 Fourth Quarter Results Presentation. My name is John McCartney, and I am Head of Investor Relations here at Scotiabank.

United statesGlen gowlandJohn mccartneyEl ninoGabriel dechaineAris bogdanerisEbrahim poonawalaJake lawrenceFrancisco aristeguietaSuraj viswanathanPhil thomasScott thomsonJacqui allardCanadian tire financial servicesPcls in international bankingInternational banking