Brian Klock - Head of Markets and Investor Relations Daryl Bible - Senior Executive Vice President and Chief Financial Officer Good day and welcome to the M&T Bank Second Quarter 2023 Earnings Conference Call. All lines have been placed on listen-only mode and the floor will be opened for your questions following the presentation. [Operator Instructions] Please be advised that today's conference is being recorded. Once there, you can click on the Investor Relations link, and then on the Events and Presentat ...