Operator
Good morning, ladies and gentlemen. Welcome to VersaBank’s Third Quarter Fiscal 2026 Financial Results Conference Call. This morning, VersaBank issued a news release reporting its financial results for the third quarter ended July 31, 2026. That news release, along with the bank’s financial statements, MD&A and supplemental financial information are available on the bank’s website in the Investor Relations section as well as on SEDAR+ and EDGAR.
Please note, in addition to the telephone dial-in, VersaBank is webcasting this morning’s conference call. The webcast is listen only. If you are listening to the webcast, but wish to ask a question in the Q&A session following Mr. Taylor’s presentation, please dial into the conference line, the details of which are included in this morning’s news release and on the bank’s website.
For those participating in today’s call by telephone, the accompanying slide presentation is available on the bank’s website. Also, today’s call will be archived for replay both by telephone and via the Internet, beginning approximately 1 hour following completion of the call. Details on how to access the replays are available in this morning’s news release.
I would like to remind our listeners that statements about future events made on this call are forward-looking in nature and are based on certain assumptions and analysis made by VersaBank’s management. Actual results could differ materially from