Tim Sedabres | Director, Investor Relations |
Steve Steinour | Chairman, President & Chief Executive Officer |
Zach Wasserman | Chief Financial Officer |
Rich Pohle | Chief Credit Officer |
Betsy Graseck | Morgan Stanley |
Scott Siefers | Piper Sandler |
Steven Alexopoulos | JPMorgan |
Ken Usdin | Jefferies |
Jon Arfstrom | RBC |
Matt O'Connor | Deutsche Bank |
Erika Najarian | UBS |
Greetings, and welcome to the Huntington Bancshares Third Quarter Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I'd now like to turn the conference over to your host, Tim Sedabres, Director of Investor Relations.