O. Hall - Vice Chairman, Chief Executive Officer, President, Chief Operating Officer, President of Regions Bank, Chief Operating Officer of Regions Bank and Director of Regions Bank Barb Godin - EVP and Consumer Credit Executive M. Underwood - Director of Investor Relations Analysts Kevin Fitzsimmons - Sandler O'Neill Craig Siegenthaler - Crédit Suisse AG Christopher Gamaitoni Betsy Graseck - Morgan Stanley Kevin St. Pierre - Bernstein Research Kenneth Usdin - Jefferies & Company, Inc. Christopher Marinac - FIG Partners, LLC Christopher Mutascio - Stifel, Nicolaus & Co., Inc. Marty Mosby - Guggenheim Securities, LLC Scott Valentin - FBR Capital Markets & Co. Heather Wolf - UBS Investment Bank Matthew O'Connor - Deutsche Bank AG PresentationOperator Good morning, and welcome to the Regions Financial Corp.'s Quarterly Earnings Call. My name is Melissa, and I will be your operator for today's call. [Operator Instructions] I will now turn the call over to Mr. List Underwood to begin. M. Underwood Good morning, everyone, and we appreciate very much your participation today. Our presenters are our President and Chief Executive Officer, Grayson Hall; our Chief Financial Officer, David Turner; and also here and available to answer questions is Barb Godin, our Chief Credit Officer. Let me quickly touch on our presentation format. We have prepared a short slide presentation to accompany David's comments. It's available under the Investor Relations section at regions.com. For those of you in the investment community that dialed in by phone, once you are on the Investor Relations section of our website, just click on Live Phone Player, and the slides will automatically advance in sync with the audio of the presentation. A copy of the slides is available on our website. With that said, I'll direct your attention to the forward-looking statements slide that should be on the screen right now, and then I'll turn it over to Grayson.