Donald MacLeod | Administrative VP, Assistant Secretary & Director, IR |
Darren King | EVP & CFO |
Gerard Cassidy | RBC Capital Markets |
Matthew O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Frank Schiraldi | Piper Sandler |
Kenneth Usdin | Jefferies |
Bill Carcache | Wolfe Research |
Christopher Spahr | Wells Fargo |
Good day, and thank you for standing by. Welcome to the M&T Bank Third Quarter 2021 Earnings Conference Call. Currently, all phone participants have been placed in a listen-only mode.
Following management’s prepared remarks, we will open the call for your questions. [Operator Instructions].