Hello. I'm Rick Waugh, President and CEO. I am pleased to welcome you to Scotiabank - Canada's most international financial institution. You are joining a proud global team of employees working in branches and offices in some 50 countries worldwide.

We are one team with one goal: to be the best Canadian-based international financial services company.

All of us - together - create value for shareholders by building strong relationships with our customers, colleagues and our communities - remaining true to the shared core values that define our culture: integrity, respect, commitment, insight and spirit.

We've had great success - and this is clearly seen in our financial performance. Our three core businesses - Domestic Banking, International Banking and Scotia Capital - and our key support areas have helped the Bank deliver excellent returns to shareholders and build one of the strongest capital bases in the Canadian financial services market.

Our employees are at the heart of our success - they are our greatest strength. Satisfied employees deliver excellent service, and we are an industry leader when it comes to customer satisfaction.

As an employer of choice, Scotiabank offers challenging and rewarding work, and lots of opportunities to build an exciting career. We provide excellent training and development, a flexible and supportive work environment with quality leadership and competitive compensation and benefits. We are also committed to recognizing and rewarding strong performance and celebrating our successes.

At Scotiabank, we value open and honest communication. We respect your views and encourage you to express them. We actively promote a respectful and inclusive workplace and strive to treat all employees fairly, so that everyone has an opportunity to contribute to their maximum potential. In our annual surveys of workplace satisfaction, employees consistently tell us that Scotiabank is a great place to work - and I'm confident you will have a similar experience.

We hope you enjoy a fulfilling career here at Scotiabank and we are pleased that you've chosen to be a part of our team. Thank you once again and welcome!