 PROG Holdings, Inc. NYSE:PRG Q3 2022 Results Conference Call October 26, 2022 8:30 AM ET Company Participants John Baugh - VP, IR Steve Michaels - President and CEO Brian Garner - CFO Conference Call Participants Kyle Joseph - Jefferies Jason Haas - Bank of America Anthony Chukumba - Loop Capital Brad Thomas - KeyBanc Bobby Griffin - Raymond James Vincent Caintic - Stephens Hal Goetsch - Loop Capital Operator Good day, and thank you for standing by. Welcome to the PROG Holdings Third Quarter 2022 Earnings Conference Call. 