M&T Bank Corporation

Good morning and welcome to the M&T Bank fourth quarter and full year 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. If you have a question at that time, please press the star 1 on your telephone keypad. If you wish to remove yourself from the queue, please press the pound key. Today's call is being recorded. Lastly, if you should need operator assistance, please press star 0. I would now like to introduce Brian Clock, Head of Market and Investor Relations. Please go ahead.

Thank you, Brittany, and good morning. I'd like to thank everyone for participating in M&T's fourth quarter 2021 earnings conference call, both by telephone and through the webcast. Joining on the call today are Darren King, M&T's chief financial officer, and Don McLeod, M&T's outgoing director of investor relations, who will be retiring after our annual meeting of shareholders in April. As he has done for the past 17-plus years, let me turn the call over to Don to read our disclaimers. Thank you, Brian.

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, 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. Cautionary statements about this information, as well as reconciliations of non-GAAP financial measures, are included in today's earnings release materials, as well as our SEC filings and other investor materials. These materials are all available on our investor relations web page, and we encourage participants to refer to them for complete discussion of forward-looking statements and risk factors. These statements speak only as of the date made, and M&T undertakes no obligation to update them. Now I'll turn the call over to Darren King.