Brian Moynihan - Chair, Chief Executive Officer Alastair Borthwick - Chief Financial Officer Lee McIntyre - Investor Relations Steven Chubak - Wolfe Research Mike Mayo - Wells Fargo John McDonald - Autonomous Research Betsy Graseck - Morgan Stanley Glenn Schorr - Evercore ISI Matt O’Connor - Deutsche Bank Ken Usdin - Jefferies Gerard Cassidy - RBC Capital Markets Jim Mitchell - Seaport Global 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.