 NMI Holdings, Inc. NASDAQ:NMIH Q1 2022 Earnings Conference Call May 4, 2022 5:00 PM ET Company Participants Adam Pollitzer President and Chief Executive Officer Brad Shuster Executive Chairman Ravi Mallela Chief Financial Officer Julie Norberg Controller and Chief Accounting Officer John Swenson Vice President, Investor Relations and Treasury Conference Call Participants Mark DeVries Barclays Rick Shane JPMorgan Bose George Keefe, Bruyette Woods Ryan Gilbert Bandwidth Technologies International Group Doug Harter Credit Suisse Michael Ramirez Truist Securities Operator Good day, and thank you for standing by. Welcome to the NMI Holdings, Inc. First Quarter 2022 Earnings Conference Call. 