Tim Sedabres | Director, IR |
Steve Steinour | Chairman, President & CEO |
Zach Wasserman | CFO |
Rich Pohle | CCO |
Manan Gosalia | Morgan Stanley |
Steven Alexopoulos | JP Morgan |
Ken Usdin | Jefferies |
Erika Najarian | UBS |
Jon Arfstrom | RBC Capital Markets |
Scott Siefers | Piper Sandler |
Matt O'Connor | Deutsche Bank |
Greetings. Welcome to Huntington Bancshares Fourth Quarter Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded.
At this time, I'd now like to turn the conference over to your host, Tim Sedabres, Director of Investor Relations.
Thank you, operator.