This is Jamie Dimon, and I want to thank you for taking the time to listen to my annual letter to our shareholders. While we’ve enlisted some help to narrate the letter, the words you’re about to hear are mine – and they’re straight from my heart. I’m so proud of this company, and in my letter you’ll see why. I cover topics that I view as most important to our shareholders, clients, customers, employees, communities and, importantly, our country. You’ll hear more about our business principles and strategies, as well as my thinking about current critical issues and my views on public policy.

Thanks again for listening and I hope you find the letter informative.