Bryan Jordan - Chairman, Chief Executive Officer, President, Member of Executive & Risk Committee, Chief Executive Officer of First Tennessee Bank, President of First Tennessee Bank and Director of First Tennessee Bank William C. Losch - Chief Financial Officer, Executive Vice President, Chief Financial Officer of Bank and Executive Vice President of Bank Gregory D. Jardine - Chief Credit Officer and Chief Credit Officer of the Bank Analysts Ken A. Zerbe - Morgan Stanley, Research Division Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division Nicholas Karzon Matthew D. O'Connor - Deutsche Bank AG, Research Division Erika Penala John G. Pancari - Evercore Partners Inc., Research Division Josh Levin - Citigroup Inc, Research Division Kevin Fitzsimmons - Sandler O'Neill + Partners, L.P., Research Division Matthew H. Burnell - Wells Fargo Securities, LLC, Research Division Emlen B. Harmon - Jefferies & Company, Inc., Research Division Marty Mosby - Guggenheim Securities, LLC, Research Division Ryan M. Nash - Goldman Sachs Group Inc., Research Division Christopher W. Marinac - FIG Partners, LLC, Research Division Kevin B. Reynolds - Wunderlich Securities Inc., Research Division David J. Bishop - Stifel, Nicolaus & Co., Inc., Research Division Michael Turner - Compass Point Research & Trading, LLC, Research Division PresentationOperator Good day, ladies and gentlemen. Welcome to the First Horizon National Corp. Second Quarter 2012 Earnings Call. [Operator Instructions] As a reminder, today's conference is being recorded. I would now like to introduce your host for today's conference call, Ms. Aarti Bowman. You may begin, ma'am.