 F.N.B. Corporation NYSE:FNB Q4 2022 Earnings Conference Call January 24, 2022 8:30 AM ET Company Participants Lisa Constantine - Manager of Investor Relations Vince Delie - Chairman, President CEO Gary Guerrieri - Chief Credit Officer Vince Calabrese - CFO Conference Call Participants Frank Schiraldi - Piper Sandler Jared Shaw - Wells Fargo Securities Casey Haire - Jefferies Daniel Tamayo - Raymond James Michael Perito - KBW Brian Martin - Janney Montgomery Operator Good morning, everyone, and welcome to the FNB Fourth Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. 