 CIT, Inc. NYSE:CINT Q3 2022 Earnings Conference Call November 17, 2022 8:00 AM ET Company Participants Eduardo Galvao - Head, IR Cesar Gon - Founder CEO Bruno Guicardi - Director, Operations Stanley Rodrigues - CFO Conference Call Participants Puneet Jain - JPMorgan Chase Co. Tyler DuPont - Bank of America Merrill Lynch Diego Aragao - Goldman Sachs Ashwin Shirvaikar - Citi Cesar Medina - Morgan Stanley Eduardo Galvao Good morning, everyone. Welcome to CIT Earnings Call for the third quarter of 2022. 