Mark Muth | Director, IR |
Steve Steinour | Chairman, President, and CEO |
Zach Wasserman | CFO |
Rich Pohle | Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
David Long | Raymond James |
Rahul Patil | Evercore ISI |
Ken Usdin | Jefferies |
Greetings, and welcome to the Huntington Bancshares Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded.
I would now like to turn the conference over to your host, Mark Muth, Director of Investor Relations.