 Huntington Bancshares Incorporated NASDAQ:HBAN Q3 2022 Earnings Conference Call October 21, 2022 9:00 AM ET Company Participants Tim Sedabres - Director, Investor Relations Steve Steinour - Chairman, President Chief Executive Officer Zach Wasserman - Chief Financial Officer Rich Pohle - Chief Credit Officer Conference Call Participants Betsy Graseck - Morgan Stanley Scott Siefers - Piper Sandler Steven Alexopoulos - JPMorgan Ken Usdin - Jefferies Jon Arfstrom - RBC Matt OConnor - Deutsche Bank Erika Najarian - UBS Operator Greetings, and welcome to the Huntington Bancshares Third Quarter Earnings Call. At this time, all participants are in a listen-only mode. 