Usio, Inc.

Hello, and welcome to UCO's first quarter fiscal 2025 earnings conference call. All participants will be in a listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note, today's event is being recorded. Now, I would like to turn the conference over to your host, Paul Manley. Please go ahead, sir.

Thank you, operator, and thank you, everyone, for joining our call today. Welcome to UCO's first quarter fiscal 2025 conference call. The earnings release, which we issued today after the market closed, is available on our website at uco.com under the Investor Relations tab. On this call with me today are Lewis Hoke, our Chairman and CEO, and Greg Carter, Executive Vice President of Payment Acceptance and our Chief Revenue Officer. Michael White, Senior Vice President and Accounting Officer, Jerry Uffner, Head of Card Issuing, and our Chief Product Officer, Houston Frost, will be available during the question and answer session at the end of the call. Let me remind our listeners that certain statements made today during the call constitute forward-looking statements made pursuant to the Safe Harbor provisions of the Private Securities and Litigation Act of 1995 as amended and as more fully discussed in our press release and in our findings with the SEC.

Let me start off today's call with a