Bank of Montreal

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Your meeting is about to begin. Please be advised that this conference call is being recorded. Good morning and welcome to the BMO Financial Group's Q4 2021 earnings release and conference call for December 3rd, 2021. Your host for today is Christine Vieux. Please go ahead.

Thank you and good morning. Welcome to BMO's fourth quarter 2021 results presentation. We will begin the call with remarks from Gerald White, BMO's CEO, followed by Typhoon Tuzun, our Chief Financial Officer, and Pat Cronin, our Chief Risk Officer. Also present to take questions today are Ernie Johansson from Canadian P&C, Dave Casper from US P&C, Dan Barkley from BMO Capital Markets, and Deland Kamenga from BMO Wealth Management. As noted on slide two, forward-looking statements may be made during this call, which involve assumptions that have inherent risks and uncertainties. Actual results could differ materially from these statements. I would also remind listeners that the bank uses non-GAAP financial measures to arrive at adjusted results. Management measures performance on a reported and adjusted basis and considers both to be useful in assessing underlying business performance. Daryl and Typhoon will be referring to adjusted results in their remarks, unless otherwise noted as reported. And with that, I'll turn the call over to Daryl.