Paul Burner - Chief Financial Officer, Senior Executive Vice President, Chief Financial Officer of People's United Bank and Senior Executive Vice President of People's United Bank John Barnes - Chief Executive Officer, President, Director, Member of Treasury & Finance Committee, Chief Executive Officer of the People's United Bank, President of the People's United Bank and Director of the People's United Bank Analysts David Rochester - Crédit Suisse AG Matthew Kelley - Sterne Agee & Leach Inc. Collyn Gilbert - Stifel, Nicolaus & Co., Inc. Mac Hodgson - SunTrust Robinson Humphrey Capital Markets Christopher Nolan - CRT Capital Group LLC Thomas Alonso - Macquarie Research David Hochstim - Buckingham Research Group, Inc. Bob Ramsey - FBR Capital Markets & Co. Damon DelMonte - Keefe, Bruyette, & Woods, Inc. Steven Alexopoulos - JP Morgan Chase & Co Ken Zerbe PresentationOperator Good day, ladies and gentlemen, and welcome to the People's United Financial Inc. Fourth Quarter Earnings Conference Call. My name is Tuwanda, and I will be your coordinator for today. [Operator Instructions] I would now like to turn the presentation over to Mr. Peter Goulding, Vice President of Investor Relations for People's United Financial Inc. Please proceed, sir. Peter Goulding Good morning, and thank you for joining us for today's call. Jack Barnes, President and Chief Executive Officer; Paul Burner, our Chief Financial Officer; and other members of our management team are gathered for the call. Before we get started, please remember to refer to our forward-looking statements on Slide 1 of our presentation, which is posted on our website, www.peoples.com, under Investor Relations. With that, I'll turn the call over to Jack.