Donald MacLeod | Administrative VP, Assistant Secretary & Director, IR |
Darren King | EVP & CFO |
Brian Klock | SVP |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Ken Usdin | Jefferies |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC Capital Markets |
Christopher Spahr | Wells Fargo Securities |
David Rochester | Compass Point Research & Trading |
Peter Winter | Wedbush Securities |
Good day, and thank you for standing by. Welcome to the M&T Bank Second Quarter 2021 Earnings Conference Call. [Operator Instructions]. I would now like to hand the conference over to Don MacLeod. Thank you.