 Guild Holdings Company NYSE:GHLD Q3 2022 Earnings Conference Call November 3, 2022 6:00 PM ET Company Participants Michael Kim - Investor Relations Mary Ann McGarry - Chief Executive Officer Terry Schmidt - President David Manuel Neylan - Chief Operating Officer, Executive Vice President Conference Call Participants Donald Fandetti - Wells Fargo Richard Shane - JPMorgan Kyle Joseph - Jefferies Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Third Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. 