Brian Klock | Head of Markets & Investor Relations |
Darren King | Chief Financial Officer |
Ebrahim Poonawala | Bank of America |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Erika Najarian | UBS |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC Capital |
Welcome to the M&T Bank Third Quarter 2022 Earnings Conference Call. All lines have been placed on listen-only and the floor will be opened for questions following the presentation. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to Brian Klock, Head of Markets and Investor Relations. Please, go ahead.