 LM Funding America, Inc. NASDAQ:LMFA Q3 2022 Earnings Conference Call November 18, 2022 11:00 AM ET Company Participants David Waldman - IR Bruce Rodgers - CEO Rick Russell - CFO Conference Call Participants Matthew Galinko - Maxim Group Operator Good morning, ladies and gentlemen, and welcome to the LM Funding Third Quarter 2022 Business Updates Conference Call. At this time all participants are placed on a listen-only mode and the floor will be open for questions and comments after the presentation. 