National Bank of Canada

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Your conference is ready to begin. Good morning and welcome to National Bank of Canada's Fourth Quarter Resource Conference Call. I would now like to turn the meeting over to Marianne Raté, Vice President and Head of Investor Relations. Please go ahead, Marianne.

Merci and welcome, everyone. We will begin the call with remarks from Laurence Ferreira, President and CEO, Marie-Chantal Gingras, CFO, and Jean-Sébastien Crisé, Chief Risk Officer. Also present for the Q&A session are Lucie Blanchet, Head of Personal Banking and Client Experience, Michael Denham, Head of Commercial and Private Banking, Nancy Paquette, Head of Wealth Management, Etienne Zuduc, Head of Financial Markets, and Stéphane Achat, Head of International. Before we begin, I would like to refer you to slide two of our presentation for information on forward-looking statements and non-GAAP financial measures. The Bank uses non-GAAP measures, such as adjusted results, to assess its performance. Management will be referring to adjusted results unless otherwise noted. I will now turn the call over to Laurent.