Bharat Masrani | Chief Executive Officer |
Riaz Ahmed | Chief Financial Officer |
Ajai Bambawale | Chief Risk Officer |
Greg Braca | Chief Executive Officer, TD Bank America's Most Convenient Bank |
Teri Currie | Group Head, Canadian Personal Banking |
Bob Dorrance | Group Head, Wholesale Banking |
Gillian Manning | Head of Investor Relations |
Gabriel Dechaine | National Bank Financial |
Doug Young | Desjardins Capital Markets |
Meny Grauman | Scotiabank |
Ebrahim Poonawala | Bank of America |
Paul Holden | CIBC |
Nigel D’Souza | Veritas Investment Research |
Mike Rizvanovic | Credit Suisse |
Darko Mihelic | RBC Capital Markets |
Lemar Persaud | Cormark Securities |
Good afternoon, ladies and gentlemen. Welcome to the TD Bank Group Q3 2021 Earnings Conference Call. I would now like to turn the meeting over to Ms. Gillian Manning. Please go ahead, Ms.