|Jim Mitchell||Buckingham Research|
|Mike Mayo||Wells Fargo Securities|
|John McDonald||Autonomous Research|
|Steven Chubak||Wolfe Research|
|Matt O'Connor||Deutsche Bank|
|Kevin St Pierre||KSP Research|
|Andrew Lim||Societe Generale|
Good day, everyone and welcome to the today's Bank of America Second Quarter Earnings Announcement Conference Call. At this time, all participants are in a listen-only mode. Later, you will have the opportunity to ask questions during the question-and-answer session. Please note this call is being recorded. I will be standing by should you need any assistance.