 NMI Holdings, Inc. NASDAQ:NMIH Q2 2022 Earnings Conference Call August 2, 2022 5:00 PM ET Company Participants John Swenson - VP, IR and Treasury Adam Pollitzer - President and CEO Brad Shuster - Executive Chairman Ravi Mallela - CFO Julie Norberg - Chief Accounting Officer Conference Call Participants Mark Devries - Barclays John Kilichowski - Credit Suisse Rick Shane - JPMorgan Bose George - KBW Mark Hughes - Truist Ryan Gilbert - BTIG Bill Dezellem - Tieton Capital Geoffrey Dunn - Dowling Partners Operator Good day, and welcome to the NMI Holdings, Inc. Second Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. 