Exhibit 99.3 3rd Quarter Earnings Conference Call Third quarter 2023 overview Continue to generate consistent, sustainable long-term performance 3Q23 Highlights Key Performance Metrics Reported • One of the best ROATCE(1) in the peer group of 20.6% (14.6% ex. Net Income Available to AOCI) $465M Common Shareholders • Continue to benefit from strong Diluted Earnings $0.49 and diverse balance sheet with Per Share strong capital, robust liquidity, and prudent credit risk Total Revenue $1.9B management • Proacti ...