BofA Merrill Lynch

Michael Needham

Buckingham Research Group

James Mitchell

Goldman Sachs & Co.

Richard Ramsden

JMP Securities

Devin Ryan

J.P. Morgan

Ken Worthington

Keefe, Bruyette & Woods

Michael Brown

Morgan Stanley

Betsy Graseck

Sandler O'Neill + Partners

Jeffery Harte

UBS Investment Bank

Brennan Hawken