 Umpqua Holdings Corporation NASDAQ:UMPQ Q3 2022 Earnings Conference Call October 20, 2022 1:00 PM ET Company Participants Jacque Bohlen - Investor Relations Director Cort OHaver - President and CEO Tory Nixon - President, Umpqua Bank Ron Farnsworth - Chief Financial Officer Frank Namdar - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Brandon King - Truist Adam Butler - Piper Sandler Operator Good day and thank you for standing by. Welcome to the Umpqua Holdings Corporation Third Quarter 2022 Earnings Call. 