Gillian Manning | IR |
Bharat Masrani | CEO |
Riaz Ahmed | CFO |
Ajai Bambawale | Chief Risk Officer |
Teri Currie | Group Head, Canadian Personal Banking |
Greg Braca | President and CEO, TD Bank, America's Most Convenient Bank |
Bob Dorrance | Group Head, Wholesale Banking |
Gabriel Dechaine | National Bank Financial |
Ebrahim Poonawala | Bank of America |
Meny Grauman | Scotia Bank |
Scott Chan | Canaccord Genuity |
Sohrab Movahedi | BMO Capital Markets |
Mike Rizvanovic | Credit Suisse |
Nigel D'Souza | Veritas Investment Research |
Lemar Persaud | Cormark Securities |
Gabriel Dechaine | National Bank Financial |
Good afternoon, ladies and gentlemen. Welcome to the TD Bank Group Q4 2020 Earnings Conference Call. I would now like to turn the meeting over to Ms. Gillian Manning. Please go ahead, Ms.