Stephen Steinour - Chairman of the Board, Chief Executive Officer, President, Member of Executive Committee, Chairman of The Huntington National Bank, Chief Executive Officer of The Huntington National Bank and President of The Huntington National Bank Donald Kimble - Chief Financial Officer, Senior Executive Vice President and Treasurer Jay Gould - Senior Vice President and Director of Investor Relations Analysts David Rochester - Crédit Suisse AG Anthony Davis - Stifel, Nicolaus & Co., Inc. Paul Miller - FBR Capital Markets & Co. Kenneth Usdin - Jefferies & Company, Inc. Erika Penala - Merrill Lynch Brian Foran - Goldman Sachs Ken Zerbe PresentationOperator Good morning. My name is Simon, and I will be your conference operator today. At this time, I would like to welcome everyone to the Huntington Bancshares Fourth Quarter Earnings Conference Call. [Operator Instructions] Mr. Jay Gould, you may begin your conference. Jay Gould Thank you, Simon, and welcome, everyone. I'm Jay Gould, Director of Investor Relations for Huntington. Copies of the slides we will be reviewing can be found on our website huntington.com, and this call is being recorded and will be available as a rebroadcast starting about an hour from close. Please call the Investor Relations department at (614) 480-5676 for more information on how to access these recordings or playback or should you have difficulty getting a copy of the slides. Slides 2, 3 or 4 note several aspects of the basis of today's presentation, and I encourage you to read these but let me point out one key disclosure. This presentation contains both GAAP and non-GAAP financial measures where we believe it's helpful to understanding Huntington's results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure as well as the reconciliation to the comparable GAAP financial measure can be found in the slide presentation and its appendix, and the press release and the quarterly financial review supplement to today's earnings release or in the related 8-K filed earlier today, all of which you can find on our website.