 Sterling Bancorp, Inc. Southfield, MI NASDAQ:SBT Q3 2022 Earnings Conference Call October 31, 2022 11:00 AM ET Company Participants Tom OBrien - Chairman, President and Chief Executive Officer Karen Knott - Executive Vice President and Chief Financial Officer Conference Call Participants Justin Crowley - Piper Sandler Operator Good morning and welcome to the Sterling Bancorps Third Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. 