 OceanFirst Financial Corp. NASDAQ:OCFC Q3 2022 Earnings Conference Call October 25, 2022 11:00 AM ET Corporate Participants Jill Hewitt - SVP and Investor Relations Christopher Maher - Chairman and Chief Executive Officer Joe Lebel - President and Chief Operating Officer Pat Barrett - Executive Vice President and Chief Financial Officer Conference Call Participants Michael Perito - KBW David Bishop - Hovde Group Matthew Breese - Stephens Inc. Manuel Navas - DA Davidson Gerry Heffernan - Walthausen Operator Good morning and thank you for attending todays OceanFirst Financial Corp. Earnings Conference Call. My name is Camilla, and Ill be your moderator for todays. 