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 no obligation other than required by law to update or revise any forward-looking statements whether as a result of new information, future event or otherwise.

In our earnings release, we've included our Safe Harbor statement on forward-looking statements, and we refer you to that statement and as incorporated into this presentation. For a more complete discussion of certain 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.

R. Smith

Thank you, Laura, and good morning, everyone. We're pleased you could join us. After some introductory remarks, I'll turn the call over to Phil Wenger and Charlie Nugent to discuss credit and financial details.

We had a good second quarter, reporting diluted net income of $0.18 per share, an increase of 6% over the first quarter, and we are encouraged by the improvement we've seen in a number of areas, and we'll discuss those this morning.

During this time of slower economic activity, a difficult regulatory climate and uncertainty about required capital levels going forward, we are focused on improving our earnings and return on assets.

In the release, you saw that we increased our ROA by 6 basis points to 0.91%, and we are committed to managing the assets we have available to us more efficiently and profitably.

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