 Guild Holdings Company NYSE:GHLD Q1 2022 Earnings Conference Call May 6, 2022 8:30 AM ET Company Participants Michael Kim - IR Mary Ann McGarry - CEO Terry Schmidt - President Amber Kramer - CFO Conference Call Participants Rick Shane - JP Morgan Paul Fandetti - Wells Fargo Securities Trevor Cranston - JMP Securities Operator Good morning, ladies and gentlemen, and welcome to the Guild Holdings Company First Quarter 2022 Earnings Conference Call. Operator Instructions As a reminder, this call will be recorded. 