...Good morning, and thank you for joining the annual meeting of shareholders of M&T Bank Corporation, which sadly, we've had to hold virtually again this year. I'm really looking forward to the time when we can gather again in person. I'm Rene Jones, the Chairman and Chief Executive Officer of M&T. Our Board of Directors and our management group are connected virtually. Here in the room with me, though sitting quite far away, are Mike Spychala, the Controller of the company; and Marie King, the company's Corporate Secretary. The Inspector of Election is John Zak from the law firm of Hodgson Russ LLP. As indicated in the proxy materials for this meeting, the following individuals were appointed by the company to serve as proxies and vote on behalf of our shareholders: Matthew Dalbke, Vice President of Maryland Glass & Mirror Company, Inc. from Baltimore, Maryland; Thomas Jacob, Chairman and Chief Executive Officer of Blue Sea Products, LLC in Perth Amboy, New Jersey; and Patrick Paul, Chief...