Bryan Jordan - Chief Executive Officer, President, Director, Member of Credit Policy & Executive Committee, Chief Executive Officer of First Tennessee Bank, President of First Tennessee Bank and Director of First Tennessee Bank Gregory Jardine - Chief Credit Officer William Losch - Chief Financial Officer, Executive Vice President, Chief Financial Officer of Bank and Executive Vice President of Bank Aarti Bowman - Analysts Michael Rose - Raymond James & Associates Adam Barkstrom - Sterne Agee & Leach Inc. Emlen Harmon - Jefferies & Company, Inc. Craig Siegenthaler - Crédit Suisse AG Christopher Gamaitoni Anthony Davis - Stifel, Nicolaus & Co., Inc. Paul Miller - FBR Capital Markets & Co. Erika Penala - Merrill Lynch Brian Foran - Goldman Sachs Christopher Marinac - FIG Partners, LLC Marty Mosby - Guggenheim Securities, LLC Robert Patten - Morgan Keegan & Company, Inc. Steven Alexopoulos - JP Morgan Chase & Co Kevin Reynolds - Wunderlich Securities Inc. Ken Zerbe PresentationOperator Good day, ladies and gentlemen, and welcome to the First Horizon National Corp. Fourth Quarter 2010 Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to host, Ms. Aarti Bowman of Investor Relations. Please go ahead. Aarti Bowman Thank you, operator. Please note that our press release and financial supplement, as well as the slide presentation we'll use this morning are posted on the Investor Relations section of our website at www.fhnc.com.