Operator: Good afternoon, ladies and gentlemen, and welcome to the Synovus Second Quarter 2010 Earnings Conference Call. At this time, all participants have been placed on a listen-only mode. We’ll open the floor for your questions and comments after the presentation.
It is now my pleasure to turn the floor over to your host, Pat Reynolds. Sir, the floor is yours.
Patrick A. Reynolds - Director, IR: Thank you, Dave. Thank all of you for joining us on the call today for the quarter results. You can review the slides and also access the press release on our website, www.synovus.com.
Today, I will be followed by Kessel Stelling, our President Chief Operating Officer and Acting CEO, who will give you an overview of the quarter, and then Tommy Prescott, our CFO, will talk about the financials. Kevin Howard, our Chief Credit Officer, will talk about the credit metrics for the quarter, and we’ll have summary comments by Kessel as a follow on.
Before we get started, I need to remind you that our comments may include forward-looking statements. These statements are subject to risk and uncertainties and the actual results could vary materially. We list these factors that might cause results to differ materially in our press release and in the SEC filings, which are available on our website.
Further, we do not intend to update any forward-looking statements to reflect circumstances or events that occur after the date that these statements were made. We disclaim any responsibility to do so. During the call, we will discuss non-GAAP financial measures and talking about the Company’s performance and you can find a reconciliation of these measures to GAAP financial measures in the appendix of the presentation.
Finally, Synovus is not responsible for and does not edit or guarantee the accuracy of earnings teleconference transcripts provided by third party. The only authorized webcast are located on our website.
Now, I’ll turn it over to Kessel.
Kessel D. Stelling, Jr. - President, COO and Acting-CEO: Thank you, Pat, and good afternoon to everyone. I want to begin today’s call with something that I know is on all of your mind and that is an update on our Chairman and CEO, Richard Anthony. I have good news to report. Richard has returned home to Columbus last week where he is continuing his recovery. His prognosis is excellent. His spirits are very high. We have been in regular contact with Richard. He has provided ongoing counseling, mentoring, encouragement to me throughout the last couple of weeks, including last night. I'm hoping that Richard is on the call today. If he is, Richard, hello and we're glad you're on the call, and I'm sure, later tonight, I'll have a chance to get some gentle critiques from Richard as well, and Richard, we miss you and we're glad you're doing so much better.
Let me talk about some of the highlights for the second quarter, and then Tommy and Kevin will go into a little deeper dive. I think I have to begin with again a statement about our capital raise. I know everyone on this call is probably very familiar with it, but we did in early May complete a $1.1 billion capital raise, which we believe was just truly a transformational event for our Company.