 Essent Group Ltd. NYSE:ESNT Q3 2022 Earnings Conference Call November 4, 2022 10:00 AM ET Company Participants Phil Stefano Vice President-Investor Relations Mark Casale Chairman and Chief Executive Officer David Weinstock Interim Chief Financial Officer Chris Curran President-Essent Guaranty Conference Call Participants Mark DeVries Barclays Rick Shane JPMorgan John Kilichowski Credit Suisse Alex Bond KBW Mihir Bhatia Bank of America Rowland Mayor RBC Capital Markets Operator Good morning, ladies and gentlemen, and welcome to the Essent Group Third Quarter 2022 Earnings Conference Call. 