 EZCORP, Inc. NASDAQ:EZPW Q4 2022 Results Conference Call November 17, 2022 8:00 AM ET Company Participants Jean Marie Young - IR Lachlan Given - CEO Tim Jugmans - CFO Conference Call Participants Brian Nagel - Oppenheimer John Hecht - Jefferies Jean Marie Young - Three Part Advisors Operator Good morning, ladies and gentlemen. Welcome to the EZCORP Fourth Quarter and Full Year Fiscal 2022 Earnings Call. 