Donald MacLeod | Administrative VP, Assistant Secretary and Director, IR |
Darren King | EVP and CFO |
Ken Zerbe | Morgan Stanley |
Dave Rochester | Compass Point |
John Pancari | Evercore ISI |
Frank Schiraldi | Piper Sandler & Co. |
Steven Alexopoulos | JPMorgan Chase & Co. |
Bill Carcache | Nomura Instinet |
Peter Winter | Wedbush Securities |
Erika Najarian | Bank of America Merrill Lynch |
Kenneth Usdin | Jefferies |
Brian Foran | Autonomous Research |
Gerard Cassidy | RBC Capital Markets |
Ladies and gentlemen, thank you for standing by and welcome to the M&T Bank First Quarter 2020 Earnings Call. At this time, all participants have been placed in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]
I will now turn the call over to Director of Investor Relations, Don MacLeod.