 VersaBank NASDAQ:VBNK Q3 2022 Earnings Conference Call August 31, 2022 9:00 AM ET Company Participants David Taylor President and Chief Executive Officer Shawn Clarke Chief Financial Officer Conference Call Participants Greg MacDonald LodeRock Research Bradley Ness Choral Capital Operator Good morning, ladies and gentlemen. Welcome to VersaBanks Third Quarter 2022 Financial Results Conference Call. 