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[dinging bell]

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There you have the closing bell at the NYSE
 
(New York Stock Exchange)

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Here at the NYSE with Glenn Williams
Her: 
Congradulations on being the incoming CEO.

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Glenn: Thank you very much, I'm glad to be 
here and Im proud to be leading such a great 
company.

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Her: You are the title is new but the comany 
is not.

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Your a veteran of 34 years, you must have 
seen alot happen in your company including 
a spin off from Citi.

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What are your plans to grow value for your 
shareholders?

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We do have a great legacy as a 38 year old 
company. But also, as a company that is 5 
years new.

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Just 5 years since our IPO, we've had tremendous 
returns during that time.

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Very proud of our market performance, were 
even prouder of our marketplace performance.

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Our ability to do business in the middle 
market, with the members of main street across 
US and Canada. We believe that market is 
huge.

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The opportunity there for our growth is bigger 
going forward then it's been in the past.

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Just since we've been public, the middle 
market has added over 2 million households 
in the US and Canada.

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So, It's growing more rapidly than we are.

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We believe we can have a tremendous future 
of growth because of the size of that marketplace.

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Her - As you mentioned, middle market is 
key for your company and when we see americans 
save the extra cash they have for

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from lower oil prices, rather than spend 
it. There's a shift happening in this country.

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Can you tell me what your seeing in main 
street USA.

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Glenn - I'de love to we do see that additional 
disposable income is beginning to appear 
due to falling gas prices.

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We see confidence increasing, that does mean 
people are more opptimistic and looking forward 
to making plans for the future.

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That works well in our business, because 
when we sit down with clients on main street 
we are generally sitting down with them

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in thier homes about thier finances and we 
are seeing more willingness to take advantage 
of those opportunities

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to look