Kelly S. King - Chairman, Chief Executive Officer, President, Member of Executive & Risk Management Committee, Chairman of Branch Banking & Trust Company and Chief Executive Officer of Branch Banking & Trust Company Daryl N. Bible - Chief Financial Officer and Senior Executive Vice President Tamera Gjesdal - Senior Vice President of Investor Relations Clarke R. Starnes - Chief Risk Officer and Senior Executive Vice President Analysts Craig Siegenthaler - Crédit Suisse AG, Research Division Gerard S. Cassidy - RBC Capital Markets, LLC, Research Division Matthew O'Connor - Deutsche Bank AG, Research Division Nancy A. Bush - NAB Research, LLC, Research Division L. Erika Penala - Merrill Lynch Christopher W. Marinac - FIG Partners, LLC, Research Division Christopher M. Mutascio - Stifel, Nicolaus & Co., Inc., Research Division John G. Pancari - Evercore Partners Inc., Research Division Matthew H. Burnell - Wells Fargo Securities, LLC, Research Division Kenneth M. Usdin - Jefferies & Company, Inc., Research Division Betsy Graseck - Morgan Stanley, Research Division Michael Mayo - CLSA Asia-Pacific Markets, Research Division Brian Foran - Nomura Securities Co. Ltd., Research Division Ed Najarian - ISI Group Inc., Research Division PresentationOperator Greetings, ladies and gentlemen, and welcome to the BB&T Corporation Third Quarter 2011 Earnings Conference Call on October 20, 2011. [Operator Instructions] As a reminder, this conference is being recorded. It's now my pleasure to introduce your host, Ms. Tamera Gjesdal, Senior Vice President of Investor Relations for BB&T Corporation. Thank you. You may begin, Tamera.