Operator Good day, and thank you for standing by. Welcome to the M&T Bank second quarter 2021 earnings conference call. [Operator instructions] Please be advised that today's conference is being recorded. [Operator instructions] I would now like to hand the conference over to Don MacLeod. Thank you. Please go ahead. Don MacLeod -- Vice President and Director of Investor Relations Thank you, Erica, and good morning. I'd like to thank everyone for participating in M&T's second quarter of 2021 earnings conference call, both by telephone and through the webcast. If you have not read the earnings release we issued this morning, you may access it along with the financial tables and schedules from our website, www.mtb.com, and by clicking on the Investor Relations link and then on the Events and Presentations link. Also before we start, I'd like to mention that today's presentation may contain forward-looking information.