Good morning. My name is Joanna and I will be your conference operator today. At this time, I would like to welcome everyone to CWB’s Third Quarter 2022 Financial Results Conference Call and Webcast. [Operator Instructions] Thank you. Mr. Patrick Gallagher, you may begin your conference. Thank you, Joanna. Good morning and welcome to our third quarter 2022 financial results conference call. My name is Patrick Gallagher and I am the Vice President, leading our Strategy and Investor Relations team.