Bank of America (BAC) Q1 2011 Earnings Call April 15, 2011 7:30 am ET Executives Neil Cotty - Chief Accounting Officer Brian Moynihan - Chief Executive Officer, President, Director and Member of Executive Committee Kevin Stitt - Investor Relations Charles Noski - Chief Financial Officer and Executive Vice President Analysts John McDonald - Sanford C. Bernstein & Co., Inc. Ed Najarian - ISI Group Inc. Paul Miller - FBR Capital Markets & Co. Betsy Graseck - Morgan Stanley Moshe Orenbuch - Crédit Suisse AG Vivek Juneja - JP Morgan Chase & Co Glenn Schorr - Nomura Securities Co. Ltd. Michael Mayo - Credit Agricole Securities (USA) Inc. Matthew O'Connor - Deutsche Bank AG PresentationOperator
Good day, everyone, and welcome to the Bank of America First Quarter Earnings Review. [Operator Instructions] And it is now my pleasure to turn the conference over to Mr. Kevin Stitt. Please go ahead, sir. Kevin Stitt Good morning. Before Brian Moynihan and Chuck Noski begin their comments, let me remind you that this presentation does contain some forward-looking statements regarding both our financial condition and financial results, and that these statements involve certain risks that may cause actual results in the future to be different from our current expectations. And these factors include, among other things, changes in economic conditions, changes in interest rates, competitive pressures within the financial services industry and legislative or regulatory requirements that may affect our businesses. For additional factors, please see our press release and SEC documents. And also joining us this morning as he did last -- three months ago will be Neil Cotty, our Chief Accounting Officer. And with that, let me turn it over to Brian.