 NMI Holdings, Inc. NASDAQ:NMIH Q3 2022 Earnings Conference Call November 1, 2022 5:00 PM ET Company Participants John Swenson - Investor Relations Brad Shuster - Executive Chairman Adam Pollitzer - President and Chief Executive Officer Ravi Mallela - Chief Financial Officer Nick Realmuto - Controller Conference Call Participants Mark DeVries - Barclays Rick Shane - JPMorgan Doug Harter - Credit Suisse Bose George - KBW Mark Hughes - Truist Geoffrey Dunn - Dowling Partners Operator Hello and welcome to the NMI Holdings, Inc. Third Quarter 2022 Earnings Conference Call. Operator Instructions Please note this event is being recorded. 