Don MacLeod | Director, IR |
Darren King | CFO |
John Pancari | Evercore |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Frank Schiraldi | Sandler O'Neill |
Saul Martinez | UBS |
Kevin St. Pierre | KSP Research |
Gerard Cassidy | RBC |
Brian Klock | Keefe, Bruyette & Woods |
Good morning. My name is Samantha, and I will be your conference operator today. At this time, I would like to welcome everyone to the M&T Bank Q2 2019 Earnings Call. [Operator Instructions] Thank you.
I would now like to turn the call over to Don MacLeod, Director of Investor Relations.