 Huntington Bancshares Incorporated NASDAQ:HBAN Q2 2022 Earnings Conference Call July 21, 2022 10:00 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 John Pancari - Evercore Betsy Graseck - Morgan Stanley Steven Alexopoulos - JPMorgan Ken Usdin - Jefferies Ebrahim Poonawala - Bank of America Jon Arfstrom - RBC Capital Markets David Long - Raymond James Erika Najarian - UBS Scott Siefers - Piper Sandler David Konrad - KBW Operator Greetings and welcome to the Huntington Bancshares Second Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. 