 New York Community Bancorp, Inc. NYSE:NYCB Q3 2022 Results Conference Call October 26, 2022 8:30 AM ET Company Participants Sal DiMartino - IR Strategic Planning Thomas Cangemi - Chairman, President and Chief Executive Officer John Pinto - Chief Financial Officer Sandro DiNello - President and Chief Executive Officer, Flagstar Bancorp Conference Call Participants Ebrahim Poonawala - Bank of America Bernard Von Gizycki - Deutsche Bank Dave Rochester - Compass Point Christopher Marinac - Janney Montgomery Scott Matthew Breese - Stephens Inc Chris McGratty - KBW Sal DiMartino Good morning, everyone. This is Sal DiMartino, and Id like to thank you for joining the management team of New York Community for todays Conference Call. 