Operating income for the third quarter of 2022 was a record $91.4 million, up 12% from $81.4 million in the third quarter of 2021. Operating margin for the third quarter was 34.8%, down from 37.0% in the prior year. After adjustments for items related to the acquisition of LendCare Capital Inc. (" LendCare "), the Company reported record adjusted operating income 2 of $94.8 million, up $9.0 million or an increase of 11% compared to $85.8 million in the third quarter of 2021. Adjusted operating margin 1 for the third quarter was 36.2%, down from 39.1% in the prior year, primarily due to a higher level of loan growth resulting in an increase in the loan loss provision expense compared to the prior year. Net income in the third quarter was $47.2 million, down 26% from $63.5 million in the same period of 2021, which resulted in diluted earnings per share of $2.86, down 22% from the $3.66 reported in the third quarter of 2021.