EQB Inc.

Welcome to EQB's earnings call for the third quarter of 2025. This call is being recorded on Thursday, August 28th, 2025. At this time, you are in a listen-only mode. Later, we will conduct a question and answer session for analysts. Instructions will be provided at that time. It is now my pleasure to turn the call over to Lamar Prasad, Vice President and Head of Investor Relations. Please go ahead.

Thank you, Joanna, and good morning, everyone. I'm excited to be sitting on this side of the call after following Canada's Challenger Bank and the financial services sector for several years. Your hosts for today's Q3 results call are Vincenza Serra, Chair of the Board of EQB, the newly appointed President and CEO, Chadwick Westlake, Marlene Lenarduzzi, Chief Risk Officer, who served as Interim President and CEO during the quarter, and David Wilkes, SVP, Chief Strategy and Growth Officer. As announced yesterday, our new CFO who joined us as of today, Annalisa Senani, is also here with us in the room. For those on the phone lines only, we encourage you to also log into our webcast and view our quarterly presentation, which will be referenced during the prepared remarks. On slide two of our presentation, you will find EQB's caution regarding forward-looking statements as well as the use of non-IFRS measures. All figures referenced today are on an adjusted basis, where applicable, unless otherwise noted. With that, I will turn it over to Vin.

Thank you, Lamar, and good morning, everyone. This is the beginning of a new era for EQB, and it's my pleasure to take this opportunity to join the leaders of the team entrusted to create next-generation value for their first earnings call. In doing so, I want to again express our sadness as we all mourn the loss of our friend, colleague, and fierce champion for all Canadians, Andrew Moore. What drove Andrew to be such an inspiring leader for all of us was his steadfast belief that Canadians deserve so much better from their banks. Andrew's meaningful impact on all who knew him and on the Canadian banking industry is permanent. I also want to thank Marlene for her exceptional service as interim president and CEO. This week, she returns to her previous role as Chief Risk Officer. The last few months have demonstrated clearly that we have a deep bench with leaders at all levels willing and able to step up. After completing our thorough and years-long succession planning process, we celebrate Chadwick's return to EQB at the beginning of this week. Speaking on behalf of the board, I am here to express our full support for Chadwick. He is the capable, energetic, and experienced leader we need to take EQB to the next level of growth and performance. We look forward to collaborating with Chadwick as he develops the strategic plan to move our company forward in the months and years to come. Chadwick will offer his initial thoughts on the way forward to wrap up the call. Now, I'll turn it over to Marlene to start with some comments on results for Q3.