 The Toronto-Dominion Bank NYSE:TD Q2 2022 Results Conference Call May 26, 2022 1:30 PM ET Company Participants Brooke Hales - Vice President, Investor Relations Bharat Masrani - Chief Executive Officer Kelvin Tran - Chief Financial Officer Ajai Bambawale - Chief Risk Officer Michael Rhodes - Group Head, Canadian Personal Banking Paul Douglas - Group Head, Canadian Business Banking Raymond Chun - Group Head, Wealth Insurance Leo Salom - President and CEO, TD Bank, Americas Most Convenient Bank Riaz Ahmed - Group Head, Wholesale Banking Conference Call Participants Ebrahim Poonawala - Bank of America Scott Chan - Canaccord Genuity Meny Grauman - Scotiabank Sohrab Movahedi - BMO Capital Markets Gabriel Dechaine - National Bank Financial Nigel DSouza - Veritas Investment Lemar Persaud - Cormark Securities Paul Holden - CIBC Darko Mihelic - RBC Capital Markets Operator Good afternoon, everyone, and welcome to the TD Bank Group Q2 2022 Earnings Conference Call. I would now like to turn the meeting over to Ms. 