Bank of America Corporation

Good day, everyone, and welcome to the fourth quarter Bank of America earnings announcement 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. You can register to ask a question at any time by pressing star and one on your touchtone phone. Please note this call may be recorded. I will be standing by if you should need any assistance. It is now my pleasure to turn today's conference over to Lee McIntyre. Please go ahead.

Thank you, Operator. Thank you for joining our quarterly earnings call. Good morning to everybody. I'm sure by now you've all had a chance to review the earnings that were released before 7 this morning. As usual, they're available, including our earnings presentation that we will refer to during the call, on the investor relations section of the bankofamerica.com website. I'm going to first turn the call over to our CEO, Brian Moynihan, for some opening comments. And then we will hear from Alistair Barthwick, our CFO, who will cover the details of the quarter.

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