Gillian Manning | Vice President and Head, Investor Relations |
Bharat Masrani | Chief Executive Officer |
Kelvin Tran | 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 |
Gabriel Dechaine | National Bank Financial |
John Aiken | Barclays |
Doug Young | Desjardins Capital Markets |
Ebrahim Poonawala | Bank of America |
Paul Holden | CIBC |
Meny Grauman | Scotiabank |
Nigel D'Souza | Veritas Investment Research |
Lemar Persaud | Cormark Securities |
Sohrab Movahedi | BMO Capital Markets |
Scott Chan | Canaccord Genuity |
Darko Mihelic | RBC Capital Markets |
Good afternoon, everyone. Welcome to the TD Bank Group Q4 2021 Earnings Conference Call. I would now like to turn the meeting over to Ms. Gillian Manning. Please go ahead, Ms.