|John McDonald||Autonomous Research|
|Glenn Schorr||Evercore ISI|
|Steven Chubak||Wolfe Research|
|Betsy Graseck||Morgan Stanley|
|Matt O'Connor||Deutsche Bank|
|Nancy Bush||NAB Research|
|Vivek Juneja||JP Morgan|
Good day, everyone and welcome to the today's Bank of America Earnings Announcement. At this time, all participants are in a listen-only mode. Later, you’ll have the opportunity to ask questions during the question-and-answer session. [Operator Instructions] Please note this call is being recorded. It is now my pleasure to turn the conference over to Mr.