This morning, Scotiabank released our Q4 and 2020 earnings. I’m pleased to tell you that we delivered improved results for our shareholders and are ending the year on a stronger note. Our financial performance in 2020 demonstrates the power of our diversified business model and the dedication of our team. We remain well positioned for future growth across our Americas footprint, thanks to our strengthened capital position and strong balance sheet. As I wrote in my Annual Letter to the Bank’s Shareholders, over the past year, we have faced a profound crisis. Not one that we created, nor one that we could solve alone, but a crisis that our winning team has faced with courage, conviction, and resilience. As we look ahead to 2021, we are committed to continuing to build a Leading Bank in the Americas. You can read my Letter to Shareholders here: Letter to Shareholders from President and CEO Brian Porter