 Pathward Financial, Inc. NASDAQ:CASH Q3 2022 Earnings Conference Call October 27, 2022 5:00 PM ET Company Participants Justin Schempp - VP, IR Brett Pharr - CEO Glen Herrick - CFO Conference Call Participants Tim Switzer - KBW Frank Schiraldi - Piper Sandler Operator Ladies and gentlemen, thank you for standing by. Welcome to the Pathward Financial Fourth Quarter and Fiscal Year 2022 Investor Conference Call. 