Joe Hassett | Investor Relations |
Louis Hoch | President and CEO |
Tom Jewell | Senior Vice President and Chief Financial Officer |
Greg Carter | Executive Vice President of Payment Acceptance |
Houston Frost | Senior Vice President of Prepaid Services |
Barry Sine | Spartan Capital Securities |
Gary Prestopino | Barrington Research |
Jon Hickman | Ladenburg Thalmann |
Michael Diana | Maxim Group |
Good morning. And welcome to the Usio earnings conference call for the Fourth Quarter Ended December 31, 2021 [Operator Instructions]. Participants of this call are advised that the audio of this conference call is being broadcast live over the Internet and is also being recorded for playback purposes. A replay will be available shortly after the end of the call through April 1, 2022. I would now like to turn the conference over to Mr.