...All right. Good afternoon, everyone. We are pleased to have M&T Bank joining us for what is the first time. We believe M&T is the only bank out there that has been able to maintain a community bank field, while also maintaining a best-of-breed credit culture and industry-leading returns along the way. While the markets have been focused on its COVID exposures, the bank has continued to execute on its strategy of serving clients, building out technology and also while putting a tight hold on costs. Joining us to tell us more about how they're going to continue the momentum are Chairman and CEO, RenT Jones; and also Chief Financial Officer, Darren King. Today's presentation is going to be fireside chat. Maybe before we get started, RenT, would you like to make any open remarks? RenT F. Jones ...