 ACI Worldwide, Inc. NASDAQ:ACIW Q3 2022 Results Conference Call November 2, 2022 8:00 AM ET Company Participants John Kraft - Senior Vice President of Finance and Strategy Odilon Almeida - President, CEO and Director Scott Behrens - Executive VP, CFO and CAO Conference Call Participants Mayank Tandon - Needham Company Peter Heckmann - Davidson Joseph Vafi - Canaccord Genuity Mark Palmer - BTIG George Sutton - Craig-Hallum Capital Charles Nabhan - Stephens Inc Operator Good morning. My name is Abby, and I will be your conference operator today. 