Timothy Sedabres | executive |
Stephen Steinour | executive |
Zachary Wasserman | executive |
Manan Gosalia | analyst |
L. Erika Penala | analyst |
John Pancari | analyst |
Steven Alexopoulos | analyst |
Jon Arfstrom | analyst |
Brendan Lawlor | executive |
Ebrahim Poonawala | analyst |
Greetings, and welcome to Huntington Bancshares 2023 Fourth Quarter Earnings Review. [Operator Instructions] As a reminder, this conference is being recorded.
I would now like to turn the conference over to Tim Sedabres, Director of Investor Relations. Please go ahead.
Thank you, operator.