 BM Technologies, Inc. NYSE:BMTX Q3 2022 Earnings Conference Call November 15, 2022 9:00 AM ET Company Participants Bob Ramsey - Chief Financial Officer Luvleen Sidhu - Founder, Chairman, and Chief Executive Officer Conference Call Participants Mike Grondhahl - Northland Securities Brian Dobson - Chardan Capital Markets Christopher Sakai - Singular Research Bill Dezellem - Tieton Capital Operator Hello and thank you for standing by. My name is Regina and I will be your conference operator today. 