David M. Willey, Wayne Ehgoetz, Richard Owens, Gadi Meir and Arkadi Kulhman made opening statements and, with the other witnesses, answered questions.

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David M. Willey, Wayne Ehgoetz, Richard Owens, Gadi Meir et Arkadi Kulhman font des déclarations et, avec les autres témoins, répondent aux questions.

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Witnesses: From the Capital One Financial Corporation: David M. Willey, Senior Vice-President and Treasurer; Christopher T. Curtis, Associate General Counsel; From the First Union Corporation: Wayne Ehgoetz, Head; From the Norwest Financial/Trans Canada Credit: Richard Owens; Steve R. Wagner, Assistant General Counsel; From the Wells Fargo Bank: Gadi Meir, Assistant Vice-President; From the ING Direct: Arkadi Kuhlman, President and CEO; From the Toronto Dominion Bank: A. Charles Baillie, President and Chief Executive Officer; Robert P. Kelly, Vice-Chairman.

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De la Banque Toronto Dominion: A. Charles Baillie, président et chef de la direction; Robert P. Kelly, vice-président.

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We have with us, from Capital One Financial Corporation, Mr. David Willey, senior vice-president and treasurer, and Christopher T. Curtis, associate general counsel.

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Nous accueillons aujourd'hui, de la Capital One Financial Corporation, M. David Willey, vice-président principal et trésorier ainsi que M. Christopher T. Curtis, avocat général associé.

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My name is David Willey and I'm a senior vice-president and the treasurer of Capital One Financial Corporation.

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Je m'appelle David Willey et je suis vice-président principal et trésorier de la Capital One Financial Corporation.

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Mr. David M. Willey (Senior Vice-President and Treasurer, Capital One Financial Corporation): Good afternoon.

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M. David M. Willey (vice-président principal et trésorier, Capital One Financial Corporation): Bonjour.

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Date index: 2022-07-23