Executives
John Andrews - Director, Investor Relations
John C. Gerspach - Chief Financial Officer
Vikram S. Pandit - Chief Executive Officer and Director
Analysts
Michael Mayo - Credit Agricole Securities (USA) Inc., Research Division
Vivek Juneja - JP Morgan Chase & Co, Research Division
Matthew O'Connor - Deutsche Bank AG, Research Division
Ron Mandle - GIC
Jason M. Goldberg - Barclays Capital, Research Division
Christoph M. Kotowski - Oppenheimer & Co. Inc., Research Division
John E. McDonald - Sanford C. Bernstein & Co., LLC., Research Division
Michael Holton - Merrill Lynch
James F. Mitchell - Buckingham Research Group, Inc.
Glenn Schorr - Nomura Securities Co. Ltd., Research Division
Moshe Orenbuch - Cr��dit Suisse AG, Research Division
Betsy Graseck - Morgan Stanley, Research Division
Todd L. Hagerman - Sterne Agee & Leach Inc., Research Division
Adam G. Hurwich - Ulysses Management LLC
Ed Najarian - ISI Group Inc., Research Division
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