 International Money Express, Inc. NASDAQ:IMXI Q3 2022 Earnings Conference Call November 9, 2022 9:00 AM ET Company Participants Mike Gallentine - Vice President, Investor Relations Bob Lisy - Chairman, Chief Executive Officer President Andras Bende - Chief Financial Officer Joseph Aguilar - Chief Operating Office Randy Nilsen - Chief Revenue Officer Chris Hunt - Chief Information Officer. Marcelo Theodoro - Chief Digital Officer Conference Call Participants David Scharf - JMP Securities Mike Grondahl - Northland Securities Tim Chiodo - Credit Suisse Alex Markgraff - KeyBanc Capital Markets Operator Good morning, and welcome to the International Money Express Third Quarter 2022 Earnings Conference Call. 