 New York Community Bancorp, Inc. NYSE:NYCB Q1 2022 Earnings Conference Call April 27, 2022 8:30 AM ET Company Participants Sal DiMartino - Executive Vice President Chief of Staff Thomas Cangemi - Chairman, President Chief Executive Officer John Pinto - Chief Financial Officer Sandro DiNello - President and Chief Executive Officer, Flagstar Lee Smith - President, Flagstar Mortgage Conference Call Participants Ebrahim Poonawala Bank of America Chris McGratty - KBW Steven Alexopoulos - JPMorgan David Rochester - Compass Brock Vandervliet - UBS Steve Moss - B. Riley Securities Peter Winter - Wedbush Securities Matthew Breese - Stephens, Inc. Christopher Marinac - Janney Sal DiMartino Good morning, everyone. 