Lee McEntire | IR |
Brian Moynihan | CEO |
Paul Donofrio | CFO |
John MacDonald | Bernstein |
Mike Mayo | Wells Fargo |
Glenn Schorr | Evercore |
Betsy Graseck | Morgan Stanley |
Steven Chubak | Wolfe Research |
Matt O'Connor | Deutsche Bank |
Jim Mitchell | Buckingham Research |
Saul Martinez | UBS |
Brian Kleinhanzl | Keefe, Bruyette & Woods, Inc. |
Good day, everyone and welcome to the Bank of America Fourth Quarter Earnings Announcement. [Operator Instructions] Please note this call is being recorded. It is now my pleasure to turn the conference over to Mr. Lee McEntire. Please go ahead, sir.