 PRA Group, Inc. NASDAQ:PRAA Q3 2022 Earnings Conference Call November 3, 2022 5:00 PM ET Company Participants Najim Mostamand - Vice President of Investor Relations Kevin Stevenson - President Chief Executive Officer Pete Graham - Executive Vice President Chief Financial Officer Conference Call Participants Operator Good afternoon, and welcome to the PRA Groups Third Quarter 2022 Conference Call. All participants will be in a listen-only mode. 