 The Bank of N.T. Butterfield Son Limited NYSE:NTB Q3 2022 Earnings Conference Call November 1, 2022 10:00 AM ET Corporate Participants Noah Fields - Vice President, Investor Relations Michael Collins - Chairman and Chief Executive Officer Craig Bridgewater - Group Chief Financial Officer Michael Schrum - President and Group Chief Risk Officer Conference Call Participants Timur Braziler - Wells Fargo Will Nance - Goldman Sachs Michael Perito - KBW David Feaster - Raymond James Operator Good morning, everyone. 