Hello, welcome to the 2023 Annual Meeting of Shareholders of Huntington Bancshares Incorporated. During the meeting, we'll have a question and answer session. You can submit questions or comments at any time by clicking on the Q&A icon on the right-hand side of the meeting center screen. It is now my pleasure to turn today's meeting over to Steve Steinour, Chairman, President, and CEO of Huntington Bancshares Incorporated. Mr. Steinour, the floor is yours. Welcome, everyone, to the 2023 Annual Meeting of Shareholders of Huntington. I'm Steve Steinour. I'm pleased that all of you are joining us today for our virtual shareholder meeting. Thank you for your support. I'd like to start by introducing the members of the board who are in attendance today and standing for election this year. In addition to myself, Alanna Cotton, Tanny Crane, Gina France, Mike Hochschwender, Rick King, Allie Kline, Rick Neu, Ken Phelan, Dave Porteous, Roger Sit, Jeffrey Tate, and Gary Torgow. Members of Huntington's executive leadership team are also joining us for today's meeting. Before we begin the formal business of today's meeting, I'd like to extend a heartfelt thank you to Beth Ardisana and Bob Cubbin, both of whom have served on our board since 2016. We're extremely appreciative to them for their many years of commitment, along with their wise counsel to the company, and we wish them all the best in their future endeavors. As the chairman of today's meeting, I now call this meeting to order. This meeting will be conducted in accordance with the meeting agenda and rules of conduct. The agenda and rules of conduct are available online by clicking the Documents icon. If you need a copy of the annual report or the proxy statement, these are also available under the Documents icon. David Dietrich of Computershare Trust Company is in attendance and will act as the Inspector of Election for this meeting. The corporate secretary, duly appointed proxies, and representatives of PricewaterhouseCoopers are also in attendance. This meeting was called by our board of directors, which set the close of business on February 15th, 2023 as the record date for the holders of shares of our common stock entitled to receive notice of and vote at this meeting. The notice of meeting and proxy statement were first mailed or made available on March 9th, 2023 to holders of our common stock as of the record date. I've been advised by the secretary that at least a majority of the company's issued and outstanding shares of common stock entitled to vote is represented in person or by proxy at today's meeting. A forum is present, allowing us to conduct today's meeting. I will address questions, if any, about the proposals after they are presented. You may submit questions online by clicking on the Q&A icon. Out of consideration for others, we request that shareholders limit themselves to one question or comment. We will now turn to the proposals to be presented for a vote of the shareholders. If you've already voted and do not wish to change your vote, no further action is needed. On the other hand, if you've not voted or wish to change your vote, you may do so now by clicking on the Vote icon. For this year's annual meeting, we have four proposals to be voted upon. Proposal one is the election of 13 directors to serve a one-year term expiring at the 2024 annual meeting. Proposal two, typically referred to as the say on pay, pertains to the approval on an advisory, non-binding basis of the executive compensation as disclosed in the proxy statement. Proposal three, typically referred to as say on frequency, relates to the approval on an advisory, non-binding basis of the frequency of future say on pay proposals. Proposal four is to ratify the appointment of PricewaterhouseCoopers as the independent registered public accounting firm for the company for 2023. The proposals are described in the proxy statement. Our board of directors recommends that shareholders vote for the election of each nominee for director listed in proposal one, for proposals two and four, and for one year for proposal three. I'd ask Tim Sedabres, our Director of Investor Relations, if there are any questions specific to the proposals. Thank you. At this time, we have no questions related to the proposals. Thanks, Tim. We'll pause a moment to allow shareholders who may not have voted to vote. Thank you. The polls are now closed. The inspector has issued a preliminary report and informed me that each of the nominees for the board of directors has been elected. The say on pay resolution has been approved. One year received majority shareholder support with respect to the say on frequency resolution and the appointment of PricewaterhouseCoopers as the company's independent registered public accounting firm for 2023 has been ratified. Based on the preliminary report of the inspector, I declare that proposals one, two, and four are approved and that one year is the preference expressed by shareholders for proposal three. Final results of balloting will be recorded in the minutes and along with the board's determination with respect to the frequency of future advisory votes on executive compensation, which will appear in a current report on Form 8-K that the company will file within 4 business days of this meeting. This concludes the formal business of the meeting. I'd now like to offer some comments, and then we will proceed to your questions. Before we begin, I'd like to direct your attention to our safe harbor statement on slide four. I will make some forward-looking statements today in my presentation, I ask that you please review this slide. Let's start on slide five. Thank you again for joining the 2023 Annual Meeting of Shareholders. Today, I'm going to discuss an overview of our 2022 financial performance. With first quarter earnings release being published tomorrow morning, April 20th, I unfortunately must limit my comments to 2022. I do encourage you all to dial in for our earnings release tomorrow morning at 11:00 A.M. Eastern Time. Following the presentation, I'll close with a general question and answer session. The executive leadership team and I always look forward to your questions and insights. The webcast will provide that opportunity. You can submit your questions at any time during my presentation by clicking on the Q&A icon. Our investor relations director will pose those to us on your behalf. Let's turn to slide six and begin. At the very heart and core of Huntington and our execution is our colleagues. They've cultivated who Huntington is today, and I'd like to thank all of them for their exceptional performance, commitment, and passion to live out our purpose every day. We truly believe we are the people in relationship business, and we are committed to making people's lives better, helping businesses thrive, and strengthening the communities we serve. We are focused on and investing in our vision to become the country's leading people first digitally powered bank. 2022 was an exceptional year for Huntington. Now on slide seven. We finished the year with record revenue and earnings. We were very pleased with Huntington's underlying earnings power as illustrated by the $3.1 billion in pre-provision net revenue. In excluding notable items primarily due to the TCF and Capstone acquisitions, adjusted PPNR increased 36% from the prior year. We were also pleased to deliver a top-tier return on tangible common equity of 20.7% for the full year. We delivered the TCF cost synergies earlier than expected, and we are successfully executing on the revenue synergies. We closed two bold on acquisitions, Capstone and Torana, expanding our capital markets and payments capabilities. We executed on our organic growth strategies, strategic priorities, and we continued to invest in revenue producing colleagues and initiatives, including new and expanded commercial banking verticals, capital markets, cards and payments, and wealth management. We were diligent and proactive in our expense management and enter this year well prepared to operate through a range of economic scenarios. Finally, we continue to have solid capital levels, ample liquidity, and a top-tier reserve profile, all of which give us confidence to operate through uncertainty. Moving to slide eight. We share our year-end balances for total assets, loans and deposits, which were all increasing as a result of our organic growth and deepening relationships. At $183 billion in assets, we are a top 10 regional bank in the U.S. In 2022, we scaled to the fifth largest equipment finance business in the nation, up from being the seventh largest just last year. Additionally, we are the number one SBA lender in the nation, and in early 2022, we completed nationwide expansion for SBA. Further, we grew our SBA presence in new markets and increased our rank to number one and number three in Colorado and Minnesota, respectively. Importantly, as you note in the bottom left, we've been building our brand for years. The success of our investments and colleagues' efforts are evidenced by our number 1 rank in trust, Net Promoter Score, and customer satisfaction. Turning now to slide nine. On the left, our total shareholder return or TSR over the past year and past 10 years were ranked, both ranked in the top quartile versus peers. TSR is the price appreciation of common shares, assuming reinvestment of dividends. On the right, on the right side of the slide, we provide an update on our capital activities during 2022. We continue to be good stewards of our capital and dynamic in our capital allocation. This year, we've returned capital to our shareholders through dividends of $0.52 on an annualized basis. On slide 10, we want to share more detail on how we're positioned given the recent industry events that occurred during March. Huntington has grown its deposit base steadily over time and with a focus on acquiring and deepening primary bank relationships. This focus has resulted in an industry-leading insured deposit base of 68% as of the fourth quarter of 2022. As you can see on the slide, that 68% leads our peers, the money center banks, and is significantly higher than Silicon Valley Bank and Signature Bank. On slide 11, we also want to highlight the strength and rigor of our risk management. The cumulative effect of the actions we've taken since 2009 give us confidence that we are well positioned to operate through any uncertainty. As you can see on the left, we've reported full year net charge-offs of 11 basis points, which is stronger than our peers and reflects our consistent risk management and aggregate moderate to low risk appetite. Additionally, the chart on the right highlights our robust and top-tier reserves at 1.9% higher than our peers. Moving on to slide 12. I just shared with you our distinctive deposit base and our active credit management. In addition to these, we have a culture that is ingrained in our colleagues. They have a clear passion for our customers and communities. Our brand has been building for the past 13 years, and we win with our local delivery model. It is a force, and it is why our customers trust us and bank with us. You see us consistently win number one mobile app from J.D. Power, and this year we've just won J.D. Power for number one customer satisfaction as we have several times over the past years. We are investing and continue to invest in our technology. We've doubled our investments in tech development over the last three years, and we are seeing the results. Finally, we've unlocked significant scale and growth opportunities from the TCF combination. We have never been better positioned to execute. Times of uncertainty, times of stress are also times of opportunity. Our foundation, our executive team, and colleagues are all aligned to deliver and operate in any economic environment. Turning to slide 13. Closely connected to our purpose is our commitment to corporate sustainability, which is detailed each year in our environmental, social, and governance or ESG report. Huntington and the board believes ESG presents opportunities that enable Huntington to avoid business risks and capitalize on opportunities, driving shareholder value in the process. The 2022 ESG report preview, which will be released shortly, gives stakeholders a high-level update on ESG actions taken and progress made since last year's full report. The full 2022 ESG report, which will be published later this year, documents the continued advancement and maturation of Huntington's ESG strategy. I encourage you to read all of our ESG information available through our website. In keeping with our efforts to reduce our environmental footprint, this is an online document only. If you do not have access to the internet, investor relations can print and mail a copy to you. We now have some time for shareholders to ask questions. Tim, will you review the procedures for this question and answer period? Sure, Steve. We always welcome the views, comments, and questions of our shareholders. To ensure that this session is meaningful and constructive, we ask that questions and remarks be limited to those of concern or of interest to all shareholders. Matters which are of a personal or individual nature generally may be raised by contacting investor relations. Shareholders may also review the full rules of conduct, which are available by clicking on the Documents icon. As mentioned at the beginning of the meeting, you may submit questions online by clicking on the Q&A icon. At this point, let us assemble the questions. Our first question we have submitted is related to Huntington's ability to pay the dividend. Well, Tim, thank you for that and whoever asked. Our, we believe the company is very well positioned to continue to pay the dividends. We just paid the, I think it was April first, the prior quarter dividend, and we look forward to continuing to do so. The capital is strong. Our capital plus reserves would be top quartile in our peer group, and our liquidity is robust. We're in a good position. As we said during the remarks, we've prepared for a variety of economic scenarios and feel quite comfortable about continuing to be able to pay the dividend going forward. Any other questions? At this point, we have no other questions. Okay. Hearing none. thanks, Tim. This concludes the Q&A period. Thank you for joining us today for our 2023 annual meeting of shareholders. On behalf of the board, executive leadership team, and Huntington's approximately 20,000 colleagues, we are very grateful for your continued support. Thank you. I now declare this meeting adjourned. Have a great day. This concludes the meeting. You may now disconnect.