Don MacLeod | Administrative Vice President, Assistant Secretary, Director of Investor Relations |
Darren King | Executive Vice President, Chief Financial Officer |
John Pancari | Evercore |
Ken Zerbe | Morgan Stanley |
Matt O'Connor | Deutsche Bank |
Frank Schiraldi | Sandler O'Neill |
Ken Usdin | Jefferies |
Marty Mosby | Vining Sparks |
Chris Spahr | Wells Fargo |
Brian Foran | Autonomous |
Gerard Cassidy | RBC |
Saul Martinez | UBS |
Good morning. My name is Samantha and I will be your conference operator today. At this time, I would like to welcome everyone to the M&T Bank Q3 2019 earnings call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.