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Operator: Good morning, ladies and gentlemen. Welcome to JPMorgan Chase s Fourth Quarter 2022 Earnings Call. This call is being recorded. We will now go live to the presentation. Please standby.

John mcdonaldJeremy barnumErika najarianJamie dimonJpmorgan chase coBiggest natural resources companiesBank on pageSecurity servicesAutonomous researchCard services autoCall transcript januaryFourth quarterChief financial officerStephen dawsonHome lendingBusiness banking