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Operator: Good afternoon, and thank you for attending today’s Third Quarter 2023 Analyst Earnings Call for HomeStreet Bank.

Piper sandlerMark masonMatthew clarkJohn michelAnalyst earnings call for homestreet bankHomestreet incFannie maeFederal reserve bankCall transcript octoberThird quarterEarnings callSafe harborChief financial officerWestern statesDangerous gangsAfrican countries to find