 Cardlytics, Inc. NASDAQ:CDLX Q3 2022 Earnings Conference Call November 1, 2022 5:00 PM ET Company Representatives Nick Lynton - Chief Legal Officer Karim Temsamani - Chief Executive Officer Andy Christiansen - Chief Financial Officer Conference Call Participants Kyle Peterson - Needham Wesley Sanford - JPMorgan Aaron Kessler - Raymond James Operator Thank you for standing by, and welcome to the Third Quarter 2022 Cardlytics, Inc., Earnings Conference Call. I will now hand the conference over to Nick Lynton. 