 Usio, Inc. NASDAQ:USIO Q3 2022 Earnings Conference Call November 9, 2022 5:00 PM ET Company Participants Paul Manley - SVP, IR Louis Hoch - Co-Founder, Chairman, President, CEO COO Houston Frost - SVP, Corporate Development Prepaid Products Greg Carter - EVP, Payment Acceptance Lowell Jewell - SVP CFO Conference Call Participants Jon Hickman - Ladenburg Thalmann Co. Michael Diana - Maxim Group Operator Good afternoon, and welcome to the Usio Earnings Conference Call for the Third Quarter Ended September 30, 2022. Operator Instructions. 