 PRA Group, Inc. NASDAQ:PRAA Q1 2022 Earnings Conference Call May 9, 2022 5:00 PM ET Company Participants Lauren Partin - Vice President of Global Financial Planning and Analysis Kevin Stevenson - President and Chief Executive Officer Peter Graham - Executive Vice President and Chief Financial Officer Conference Call Participants Mark Hughes - Truist Securities Spencer James - William Blair Robert Dodd - Raymond James Operator Good evening and welcome to the PRA Group First Quarter 2022 Earnings Conference Call. Operator Instructions I would now like to turn the conference over to Ms. 