E. Wenger - President, Chief Operating Officer, Director, Ex-officio Member of Trust Committee, Ex-officio Member of Executive Committee, Ex-officio Member of Human Resources Committee and Ex-officio Member of Risk Management Committee Charles Nugent - Chief Financial Officer and Senior Executive Vice President R. Smith - Chairman, Chief Executive Officer, Member of Executive Committee, Member of Risk Management Committee and Member of Trust Committee Laura Wakeley - Media Contact Analysts Eric Beardsley - Barclays Capital Frank Schiraldi - Sandler O’Neill Craig Siegenthaler - Crédit Suisse AG Collyn Gilbert - Stifel, Nicolaus & Co., Inc. Kyle Kavanaugh - Palisade Capital Richard Weiss - Janney Montgomery Scott LLC Matthew Clark - Keefe, Bruyette, & Woods, Inc. Bob Ramsey - FBR Capital Markets & Co. PresentationOperator Good day, ladies and gentlemen and welcome to the Fulton Financial Corporation Fourth Quarter and Year End 2010 Conference Call. [Operator Instructions] I would now like to introduce your host for today's conference, Laura Wakeley, Senior Vice President. Laura Wakeley Good morning, and thank you for joining us for Fulton Financial's conference call and webcast to discuss our earnings for the fourth quarter and year end 2010. Your actual host for today's conference call is Scott Smith. And Scott is Chairman and Chief Executive Officer of Fulton Financial Corporation. Joining Scott are Phil Wenger, President and Chief Operating Officer; and Charlie Nugent, Senior Executive Vice President and Chief Financial Officer. Our comments today will refer to the financial information included with our earnings announcement, which were released at 4:30 yesterday afternoon. These documents can be found on our website at www.fult.com by clicking on Investors Relations and then on News. On this call, representatives of Fulton may make forward-looking statements with respect to Fulton's financial condition, results of operations and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors, some of which are beyond Fulton's control and difficult to predict and could cause actual results to differ materially from those expressed or forecasted in the forward-looking statements. Fulton undertakes obligation other than required by law to update or revise any forward-looking statements whether as a result of new information, future events or otherwise. In our earnings release, we've included our safe harbor statement on forward-looking statements. We refer you to this statement in the earnings release and the statement is incorporated into this presentation. For a more complete discussion of risks and uncertainties affecting Fulton, please see the sections entitled Risk Factors and Management Discussion and Analysis of financial condition and results of operations set forth in Fulton's filings with the SEC. Now, I'd like to turn the call over to your host, Scott Smith.