 Metropolitan Bank Holding Corp. NYSE:MCB Q3 2022 Earnings Conference Call October 21, 2022 9:00 AM ET Company Participants Mark DeFazio - President and CEO Greg Sigrist - EVP and CFO Conference Call Participants Chris OConnell - KBW Alex Lau - JPMorgan Operator Welcome to the Metropolitan Commercial Banks Third Quarter 2022 Earnings Call. Hosting the call today from Metropolitan Commercial Bank, are Mark DeFazio, President and Chief Executive Officer; and Greg Sigrist, Executive Vice President and Chief Financial Officer. 