 Citizens Financial Group, Inc. NYSE:CFG Q3 2022 Earnings Conference Call October 19, 2022 9:00 AM ET Company Participants Kristin Silberberg - Executive Vice President, Investor Relations Bruce Van Saun - Chairman Chief Executive Officer John Woods - Chief Financial Officer Brendan Coughlin - Head, Consumer Banking Don McCree - Head, Commercial Banking Conference Call Participants Scott Siefers - Piper Sandler Erika Najarian - UBS Matthew OConnor - Deutsche Bank Ebrahim Poonawala - Bank of America Gerard Cassidy - RBC Capital Markets Brian Wilczynski - Morgan Stanley Kenneth Usdin - Jefferies John Pancari - Evercore ISI Operator Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2022 Earnings Conference Call. My name is Alan, and Ill be your operator today. 