Don MacLeod | Director, IR |
Darren King | CFO |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Steven Alexopoulos | JPMorgan |
Julian Wellesley | Loomis Sayles & Co. |
Erika Najarian | Bank of America |
Peter Winter | Wedbush Securities Inc. |
Jeffrey Elliott | Autonomous Research |
Frank Schiraldi | Sandler O'Neill |
Gerard Cassidy | RBC Capital Markets |
Christopher Spahr | Wells Fargo |
Brian Klock | Keefe, Bruyette & Woods |
Welcome to the M&T Bank Fourth Quarter and Full-Year 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, Laurie, and good morning, everyone. I’d like to thank you all for participating in M&T's fourth quarter and full-year 2018 earnings conference call both by telephone and through the webcast.