 Huntington Bancshares Inc. NASDAQ:HBAN Q4 2022 Results Conference Call January 20, 2023 9:00 AM ET Company Participants Tim Sedabres - Director, IR Steve Steinour - Chairman, President CEO Zach Wasserman - CFO Rich Pohle - CCO Conference Call Participants Manan Gosalia - Morgan Stanley Steven Alexopoulos - JP Morgan Ken Usdin - Jefferies Erika Najarian - UBS Jon Arfstrom - RBC Capital Markets Scott Siefers - Piper Sandler Matt OConnor - Deutsche Bank Operator Greetings. Welcome to Huntington Bancshares Fourth Quarter Earnings Call. 