Henry Meyer - Chairman, Chief Executive Officer, President, Member of Executive Council, Chairman of Executive Committee and Member of Management Committee Christopher Gorman - Senior Executive Vice President, Head of National Banking Business and Vice Chairman of Keybank National Association Beth Mooney - Vice Chairman, Member of Executive Council and Member of Management Committee Jeffrey Weeden - Chief Financial Officer, Senior Executive Vice President, Member of Executive Council and Member of Management Committee Charles Hyle - Chief Risk Officer, Executive Vice President, Member of Executive Council and Member of Management Committee Analysts Craig Siegenthaler - Crédit Suisse AG Brian Foran - Goldman Sachs Group Inc. Gerard Cassidy - RBC Capital Markets Corporation Terence McEvoy - Oppenheimer & Co. Inc. Jessica Halenda - FBR Capital Markets PresentationOperator Good morning, and welcome to KeyCorp's 2010 Second Quarter Earnings Results Conference Call. [Operator Instructions] At this time, I'd like to turn the call over to the Chairman and Chief Executive Officer, Mr. Henry Meyer. Please go ahead, sir. Henry Meyer Thank you, operator. Good morning, and welcome to KeyCorp's Second Quarter 2010 Earnings Conference Call. Joining me for today's presentation is our CFO, Jeff Weeden; and available for the Q&A portion of our call are our leaders of Community Banking and National Banking, Beth Mooney and Chris Gorman; our Chief Risk Officer, Chuck Hyle; and our Treasurer, Joe Vayda. If you turn to Slide 2, this is our forward-looking disclosure statement. It covers our presentation materials and comments, as well as the question-and-answer segment of our call today.