The improvement in credit trends resulted in  reductions of our loan loss reserves by $745  million during the year; however, these reserves  are still among the strongest coverage levels in the  industry, at 3.88 percent of loans and 179 percent of  nonperforming loans. talent across our footprint, and we expect this to  contribute to our revenue growth going forward.  Recently, we’ve begun to see some positive  signs within C&I lending, particularly within the  manufacturing and health care industries, and  we have seen significant growth in core deposits,  posting a 32 percent increase over last year. Noninterest income benefited from solid mortgage  banking revenue of $647 million in 2010, an increase  of 17 percent over 2009. Our investment advisory  revenue increased 11 percent over the prior year  and deposit fees declined only 9 percent despite  the impact of the overdraft regulation.  Our capital position remains robust. Our Tier 1  capital ratio was 13.9 percent at year-end compared  with 13.3 percent at the end of 2009. Our tangible  common equity (TCE) ratio including unrealized  gains on securities, which increased to 7.3 percent,  continues to compare favorably with our peers and  is even more favorable when viewed in light of our  capital raise at the beginning of 2011. Given our  capital position and our strong reserve position,  Fifth Third has one of the strongest balance sheets  among commercial banks. Our Branch Banking line of business has continued  to post strong results. We have been successful  in introducing new product bundles in the last  few years, such as our Secure Checking Package  that combines identity theft protection with a  traditional checking account. Our Relationship  Savings product has attracted over $9 billion in  balances since inception and has more than tripled  in balances this year alone. We were one of the first  of our peers to eliminate free checking products,  and we continue to focus on providing value-added  products to our customers. Customer service  remains a top priority and during 2010 we expanded  our traditional branch hours on weeknights and  weekends at many locations in order to be even  more accessible to our customers. Additionally, we  have hired over 100 small business banking officers  focused on customers in the $1 million to $3 million  revenue range, as we see additional opportunities  in this underpenetrated market space and are  committed to fostering economic growth through  investing in this area. Fifth Third has a simple overall value proposition  – we have the resources and technology to offer  products competitive with the largest banks in the  country for traditional banking business, but our  customer service rivals that of most community  banks. By focusing on this “sweet spot,” we  believe we are able to drive differentiation to our  customers and value creation for our shareholders.  Our strategic plan is designed to further improve  that position through a variety of initiatives that  have the ultimate goal of developing deeper  customer relationships and growing our customer  base through the strength of the Fifth Third brand.  Our Consumer Lending line of business had another  outstanding year. Our mortgage originations  exceeded $18 billion and we generated over $600  million of mortgage banking revenue. Our recent J.D.  Power Mortgage Origination Customer Satisfaction  scores improved significantly compared with  2009 results. Our J.D. Power Mortgage Servicer  Satisfaction score increased – ranking Fifth Third in  the top five - while the industry average declined  compared with 2009. Our auto lending operations  continued to perform well as we maintained  strong credit quality and pricing discipline, while  generating more than $5 billion in originations.  We remain committed to offering responsible  credit solutions to our customers and helping them  through our mortgage modification programs,  while also keeping long-term value creation for  shareholders a priority. Our Commercial Banking line of business is  focused on maintaining a close relationship with  our customers, developing new value-added  products based on customer needs, and continuing  to enhance sales processes. We strive to develop  innovative solutions for our customers, such as  our Remote Currency Manager product, which  has enhanced our suite of treasury management  product offerings. We’ve also hired exceptional  Our Investment Advisors business benefited  from the overall lift in the equity and bond  FIFTH THIRD BANCORP 4