For participating in the Wells Fargo first quarter 2009 earnings review pre-recorded call. Before we discuss our first quarter results, we need to make the standard securities law disclosure. In this call we will make forward-looking statements about specific income statement and balance sheet items and other measures of our future financial results and condition, including statements about future loss content of and cash flows from the legacy Wachovia impaired loan portfolios, expected credit losses and credit performance generally and in specific loan portfolios, the adequacy of our allowance for credit losses, future levels of non-performing assets, future levels of capital, the timing and amount of expected cost savings related to the Wachovia merger and other initiatives, and our ability to generate revenue growth and earnings. Forward-looking statements give our expectations and they are not guarantees of future performance. They speak only as of the date they are made and we do not undertake to update them to reflect changes that occur after that date. Actual results may differ significantly from expectations due to a number of factors, including the continued accuracy of our estimates used to determine purchase accounting adjustments on Wachovia’s loan portfolio and other assets. There is no assurance that our allowance for credit losses will be adequate to cover future credit losses especially if credit markets and unemployment do not stabilize. For discussion of factors that may cause actual results to differ from expectations, refer to our SEC filings including the Form 8-K filed today which includes the press release announcing our first quarter results and our 2008 annual report on Form 10-K both available on the SEC’s website at sec.gov. In this call, we will also discuss our tangible comment equity and tangible comment equity ratio. For more information about these measures including a reconciliation of tangible comment equity to total equity, refer to the tangible comment equity table in our first quarter earnings press release which is accessible on our website, wellsfargo.com, by clicking on About Us, then Investor Relations, then Quarterly Earnings. We have also posted on our website a first quarter 2009 credit supplement that provides performance information for specific loan portfolios. I will now turn the call over to CFO, Howard Atkins.

Thanks Bob. I would like to focus my remarks on how Wells Fargo delivered such exceptional performance in our first full quarter as a New Wells Fargo despite the challenging environment. First, let us start with all the important record results we achieved in the quarter. We earned record net income of $3.05 billion in the quarter. Profits were $767 million higher after tax than any previous quarter in our Company’s history. Profits of the quarter were a record even after $661 million in preferred dividends with net income available to common shareholders of $2.38 billion. We earned $21 billion in combined revenue driven by 16% year-over-year growth at legacy Wells Fargo to record quarterly revenue of $12.3 billion. Our organic revenue growth this quarter was driven by the same Wells Fargo business model that has consistently produced near double digit revenue growth for at least the last decade. The consistency of our revenue growth is also due to the fact that we did not participate in most of the problematic businesses and activities that have reduced the level and stability of revenue at many of our peers. As our peers are busy dealing with the problems from these activities and with replacing the loss revenue, we have been successfully gaining customers and market share that will add to revenue and earnings well into the future. Pretax pre-provision profit of $9.2 billion was a record and exceeded net charge offs by nearly $6 billion, demonstrating Wells Fargo’s capacity to produce revenue net of expenses that provide a substantial earnings and capital cushion even if credit costs remain cyclically high. Our Company continued to benefit from the very strong mortgage environment. We originated $101 billion of mortgage loans, our highest level since 2003, including a record application month of $83 billion…