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 Clarke R. Starnes - Senior Executive Vice President and Chief Risk Officer Daryl N. Bible - Chief Financial Officer and Senior Executive Vice President Analysts Craig Siegenthaler - Crédit Suisse AG, Research Division Leanne Erika Penala - BofA Merrill Lynch, Research Division Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division John G. Pancari - Evercore Partners Inc., Research Division Gerard S. Cassidy - RBC Capital Markets, LLC, Research Division Kenneth M. Usdin - Jefferies & Company, Inc., Research Division Gregory W. Ketron - UBS Investment Bank, Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Brian Foran - Nomura Securities Co. Ltd., Research Division Jessica Ribner - FBR Capital Markets & Co., Research Division Jonathan Feldman - Nomura Securities Co. Ltd., Research Division Christopher W. Marinac - FIG Partners, LLC, Research Division Matthew H. Burnell - Wells Fargo Securities, LLC, Research Division PresentationOperator Greetings, ladies and gentlemen, and welcome to the BB&T Corporation First Quarter 2012 Earnings Conference Call on April 19, 2012. [Operator Instructions] As a reminder, this conference is being recorded. It is 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.