[dinging bell]

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

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

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

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

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

What are your plans to grow value for your shareholders?

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

to look