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Operator: Ladies and gentlemen, thank you for standing by, and welcome to the Pathward Financial Fourth Quarter Fiscal Year 2023 Investor Conference Call.

United statesGreg sigristBrett pharrDarby schoenfeldDavid feasterGlen herrickEric spectorRaymond jamesMichael peritoPathward financial incExchange commissionPathward financialCall transcript octoberPathward financial fourth quarter fiscal yearSenior vice presidentGreat place