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Operator: Greetings and welcome to the FinWise Bancorp Fourth Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.

Andrew terrellAndrew lieschKent landvatterMeg taylorJavvis jacobsonPiper sandlerExchange commissionStephens incFinwise bancorpFinwise bancorp fourth quarterBank photoUnidentified company representativeCall transcript januaryCompany representativeInvestor relationsChief financial officer