 Zions Bancorporation, National Association NASDAQ:ZION Q3 2022 Earnings Conference Call October 24, 2022 5:30 PM ET Company Participants Ryan Richards - Corporate Controller Harris Simmons - Chairman and CEO Paul Burdiss - CFO Scott McLean - President and COO Keith Maio - Chief Risk Officer Michael Morris - Chief Credit Officer Conference Call Participants John Pancari - Evercore ISI Ebrahim Poonawala - Bank of America Dave Rochester - Compass Point Ken Usdin - Jefferies Brad Milsaps - Piper Sandler Jennifer Demba - Truist Securities Chris McGratty - KBW Operator Greetings. Welcome to Zions Bancorp Third Quarter Earnings Conference Call. 