On behalf of the Board of Directors, I hereby nominate each of the 13 nominees identified in the proxy statement for election to the Board of Directors for a one-year term. In accordance with the bylaws, I hereby declare the nominations to be closed.I also move that we approve the 2 other resolutions outlined in our proxy statement. They are: a nonbinding say-on-pay resolution to approve the compensation of the named executive officers; and the ratification of the appointment of KPMG LLP as Fulton Financial's independent auditor for the fiscal year ending December 31, 2012. Today's meeting is being carried via live webcast, which will be available for the next 30 days on our website at fult.com. Our company shareholders live in many different places and through the webcast, we are able to bring today's program to those who are not able to be with us in person. At this time, I would like to make some brief introductions. After that, I will call on the judge of election for her report, and I will then end the business meeting. Then Phil Wenger, President and Chief Operating Officer, will discuss Fulton Financial's milestones and financial performance over the past year. Phil's formal remarks are finished -- when Phil's formal remarks are finished, we will open the floor for questions. First, I will introduce the members of Fulton Financial Corporation's Board of Directors, most of whom are seated throughout the room. Jeff Albertson, partner, Albertson Law Office; Joe Ballard, Lieutenant General, U.S. Army, Retired, and President and CEO of The Ravens Group; John Bond, past Chairman, the Columbia Bank; Craig Dally, Judge, Third Judicial District of Pennsylvania, and Chair of our Nominating and Corporate Governance Committee; Pat Freer, President, Strickler Insurance Agency Incorporated and Chair of the Human Resources Committee; Rufus Fulton, Retired Chairman of Fulton Financial Corporation, and Chair of the Risk Management Committee; George Hodges, Retired Chairman, The Wolf Organization Inc. George chairs our Executive and Audit Committees and serves as our Lead Director. Willem Kooyker, Chairman and CEO of Blenheim Capital Management LLC; Don Lesher, Retired President, Lesher Mack Sales and Service; Al Morrison, Chairman of the Board, Retired Chief Executive Officer, Burnham Holdings Inc. and now is our newest director. He joined the Board in January of this year. Gary Stewart, partner, Stewart Associates; and Phil Wenger, President and Chief Operating Officer of Fulton Financial Corporation.