 Customers Bancorp, Inc. NYSE:CUBI Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Representatives Jay Sidhu - Executive Chairman Sam Sidhu - Vice Chairman, President, Chief Executive Officer Carla Leibold - Executive Vice President, Chief Financial Officer Andrew Bowman - Executive Vice President, Chief Credit Officer David Patti - Communications Director Conference Call Participants Peter Winter - D. A. Davidson Frank Schiraldi - Piper Sandler David Bishop - The Hovde Group Matthew Breese - Stephens Bill Dezellem - Tieton Capital Management Operator Ladies and gentlemen, thank you for standing by. 