Don MacLeod | Director, IR |
Darren King | CFO |
Ken Zerbe | Morgan Stanley |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore |
Frank Schiraldi | Sandler O'Neill |
Ken Usdin | Jefferies |
Steven Alexopoulos | JPMorgan |
Gerard Cassidy | RBC |
Saul Martinez | UBS |
Brian Klock | Keefe, Bruyette & Woods |
Christopher Spahr | Wells Fargo |
Kevin Barker | Piper Jaffrey |
Welcome to the M&T Bank Third Quarter 2018 Earnings Conference Call. It is now my pleasure to turn the floor over to Don MacLeod, Director of Investor Relations. Please go ahead, sir.
Thank you, Maria, and good morning, everyone. I’d like to thank you all for participating in M&T’s third quarter 2018 earnings conference call both by telephone and through the webcast.