Jason Goldberg
Barclays Bank PLC, Research Division

We have M&T Bank with us. From the company, we have Daryl Bible, Chief Financial Officer. Daryl, thanks for making it over. Yet again, M&T has been a strong supporter of this event. I've been doing this, I think, 25 years now, and they've come, I think I want to say the majority of those. Daryl, maybe the best place to start is for maybe some of those that are in the audience, maybe less familiar with M&T. Just maybe talk about your approach to banking. M&T is, I would say, a little bit different than maybe you're just playing vanilla regional bank.

Daryl Bible
Senior EVP & CFO

Yes. Thanks, Jason, and thanks for having us here again today. We love coming over to Europe, meeting with investors and all that. So M&T Bank is a regional bank. We operate in the Northeast and Mid-Atlantic. It's 13 states plus the District of Columbia. One of the unique things about M&T Bank is we run a community banking model. It's kind of our differentiating factor. If you think of it, we have 6 businesses that are verticals that we have, but we also operate horizontally across the 13 states with 27 banking regions. We have 27 regional presidents. Those regional presidents help drive the sales forces and really know the communities that they're in to help us be most effective in those serving customers and communities that we offer there. Some of the things when you look at M&T Bank in the last couple of decades going through the Great Recession, we were 1 of 2 banks that didn't cut our dividend.