 PROG Holdings, Inc. NYSE:PRG Q1 2022 Earnings Conference Call April 27, 2022 8:30 AM ET Company Participants John Baugh - Vice President, Investor Relations Steven Michaels - Chief Executive Officer Brian Garner - Chief Financial Officer Conference Call Participants Kyle Joseph - Jefferies Bobby Griffin - Raymond James Anthony Chukumba - Loop Capital Jason Haas - Bank of America Brad Thomas - KeyBanc Michael Young - Truist Carla Casella - J.P. Morgan Vincent Caintic - Stephens Operator 00:04 Good morning, and welcome to the PROG Holdings Inc. First Quarter 2022 Financial Results Conference Call. 