<SEC-DOCUMENT>0001437749-23-011903.txt : 20230501
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<ACCEPTANCE-DATETIME>20230501162837
ACCESSION NUMBER:		0001437749-23-011903
CONFORMED SUBMISSION TYPE:	10-K/A
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20221231
FILED AS OF DATE:		20230501
DATE AS OF CHANGE:		20230501

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Usio, Inc.
		CENTRAL INDEX KEY:			0001088034
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				980190072
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15093
		FILM NUMBER:		23874136

	BUSINESS ADDRESS:	
		STREET 1:		3611 PAESANOS PARKWAY
		STREET 2:		SUITE 300
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78231
		BUSINESS PHONE:		2102494100

	MAIL ADDRESS:	
		STREET 1:		3611 PAESANOS PARKWAY
		STREET 2:		SUITE 300
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78231

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Payment Data Systems Inc
		DATE OF NAME CHANGE:	20190502

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PAYMENT DATA SYSTEMS INC
		DATE OF NAME CHANGE:	20030812

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BILLSERV INC
		DATE OF NAME CHANGE:	20011219
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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>UNITED STATES</b></div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>SECURITIES AND EXCHANGE COMMISSION</b></div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>Washington, D.C. 20549</b></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:1pt;margin-top:0pt;text-align:center;"><b>Form <ix:nonNumeric contextRef="d202310KA" name="dei:DocumentType"><b>10-K/A</b></ix:nonNumeric></b></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:1pt;margin-top:0pt;text-align:center;">(Amendment No. 1)</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">(Mark One)</div>

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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; margin: 0pt; text-align: left; font-size: 10pt;"><b>ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></div>
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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">For the fiscal year ended <ix:nonNumeric contextRef="d202310KA" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">December 31, 2022</ix:nonNumeric>.</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt 0pt 0pt 8pt;display: none"><ix:nonNumeric contextRef="d202310KA" name="dei:CurrentFiscalYearEndDate">--12-31</ix:nonNumeric><ix:nonNumeric contextRef="d202310KA" name="dei:DocumentFiscalPeriodFocus">FY</ix:nonNumeric><ix:nonNumeric contextRef="d202310KA" name="dei:DocumentFiscalYearFocus">2022</ix:nonNumeric></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><ix:nonNumeric contextRef="d202310KA" format="ixt-sec:boolballotbox" name="dei:DocumentTransitionReport"><b>&#9744;</b></ix:nonNumeric>&#xa0;<b>TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">For the transition period from ______ to ________</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">Commission File No. <ix:nonNumeric contextRef="d202310KA" name="dei:EntityFileNumber">000-30152</ix:nonNumeric></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><ix:nonNumeric contextRef="d202310KA" name="dei:EntityRegistrantName"><b>USIO, INC.</b></ix:nonNumeric></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:1pt;margin-top:0pt;text-align:center;">(Exact name of registrant as specified in its charter)</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

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			<td style="width: 50%; text-align: center;"><ix:nonNumeric contextRef="d202310KA" name="dei:EntityTaxIdentificationNumber"><b>98-0190072</b></ix:nonNumeric></td>
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			<td style="text-align: center;">(State or other jurisdiction of incorporation or organization)</td>
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			<td style="text-align: center;"><b><ix:nonNumeric contextRef="d202310KA" name="dei:EntityAddressAddressLine1"><b>3611 Paesanos Parkway, Suite 300</b></ix:nonNumeric>, <ix:nonNumeric contextRef="d202310KA" name="dei:EntityAddressCityOrTown"><b>San Antonio</b></ix:nonNumeric>, <ix:nonNumeric contextRef="d202310KA" name="dei:EntityAddressStateOrProvince"><b>TX</b></ix:nonNumeric></b></td>
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			<td style="text-align: center;">(Address of principal executive offices)</td>
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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">Registrant&#8217;s telephone number, including area code <b>(<ix:nonNumeric contextRef="d202310KA" name="dei:CityAreaCode"><b>210</b></ix:nonNumeric>) <ix:nonNumeric contextRef="d202310KA" name="dei:LocalPhoneNumber"><b>249-4100</b></ix:nonNumeric></b></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Securities registered pursuant to Section 12(b) of the Act:</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;">Title of each class</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;">Trading symbol(s)</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;"><ix:nonNumeric contextRef="d202310KA" name="dei:Security12bTitle">Common stock, par value $0.001 per share</ix:nonNumeric></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;">The <ix:nonNumeric contextRef="d202310KA" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">Nasdaq</ix:nonNumeric> Stock Market LLC</div>
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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Securities registered pursuant to Section 12(g) of the Act: None</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.&#xa0;&#9744; Yes &#9746; <ix:nonNumeric contextRef="d202310KA" name="dei:EntityWellKnownSeasonedIssuer">No</ix:nonNumeric></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. &#9744;Yes &#9746;&#xa0;<ix:nonNumeric contextRef="d202310KA" name="dei:EntityVoluntaryFilers">No</ix:nonNumeric></div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:1pt;margin-top:0pt;text-align:justify;">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.&#xa0;&#9746; <ix:nonNumeric contextRef="d202310KA" name="dei:EntityCurrentReportingStatus">Yes</ix:nonNumeric> &#9744; No</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:justify;">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (&#167; 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). &#9746;<ix:nonNumeric contextRef="d202310KA" name="dei:EntityInteractiveDataCurrent">Yes</ix:nonNumeric> &#9744; No</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:justify;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.</div>

<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:justify;">&#xa0;</div>

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			<td style="width: 50%;">Large accelerated filer &#9744;</td>
			<td style="width: 50%;">Accelerated filer &#9744;</td>
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			<td><ix:nonNumeric contextRef="d202310KA" format="ixt-sec:entityfilercategoryen" name="dei:EntityFilerCategory">Non-accelerated filer</ix:nonNumeric> &#9746;</td>
			<td>Smaller reporting company <ix:nonNumeric contextRef="d202310KA" format="ixt-sec:boolballotbox" name="dei:EntitySmallBusiness">&#9746;</ix:nonNumeric></td>
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			<td>&#xa0;</td>
			<td>Emerging Growth company <ix:nonNumeric contextRef="d202310KA" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></td>
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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Indicate by check mark whether the registrant has filed a report and attestation to its management&#8217;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. <ix:nonNumeric contextRef="d202310KA" format="ixt-sec:boolballotbox" name="dei:IcfrAuditorAttestationFlag">&#9744;</ix:nonNumeric></div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.&#xa0;&#9744;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Indicate by check mark whether any of those error corrections are restatements that required that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to&#xa0;&#167;240.10D-1(b). &#9744;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). <ix:nonNumeric contextRef="d202310KA" format="ixt-sec:boolballotbox" name="dei:EntityShellCompany">&#9744;</ix:nonNumeric> Yes &#9746; No</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">The aggregate market value of the voting stock held by non-affiliates of the registrant on June 30, 2022, was $<ix:nonFraction contextRef="d202310KAF" name="dei:EntityPublicFloat" scale="0" unitRef="USD" decimals="0" format="ixt:numdotdecimal">38,541,584</ix:nonFraction> based on 15,860,735&#xa0;shares of the registrant&#8217;s common stock held by non-affiliates on June 30, 2022&#xa0;at the closing price of $2.43 per share as reported on the Nasdaq Stock Market. For purposes of this computation, all officers, directors and 10% beneficial owners of the registrant are deemed to be affiliates.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">As of April 27, 2023, the number of outstanding shares of the registrant's common stock was <ix:nonFraction contextRef="d202310KAS" name="dei:EntityCommonStockSharesOutstanding" scale="0" unitRef="Share" decimals="INF" format="ixt:numdotdecimal">26,536,638</ix:nonFraction>.</div>

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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Auditor Firm Id:</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">PCAOB ID #<ix:nonNumeric contextRef="d202310KA" name="dei:AuditorFirmId">297</ix:nonNumeric></div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Auditor Name:</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d202310KA" name="dei:AuditorName">ADKF, P.C.</ix:nonNumeric></div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Auditor Location:</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d202310KA" name="dei:AuditorLocation">San Antonio, Texas United States</ix:nonNumeric></div>
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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>Usio, Inc.</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>FORM 10-K</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>For the Year Ended December 31, 2022</b></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;">Page</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;"><a href="#part3" style="-sec-extract:exhibit;">PART III</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 10.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a10" style="-sec-extract:exhibit;">Directors, Executive Officers and Corporate Governance.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;"><a class="tocPGNUM" href="#a10">4</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 11.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a11" style="-sec-extract:exhibit;">Executive Compensation.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;"><a class="tocPGNUM" href="#a11">5</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 12.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a12" style="-sec-extract:exhibit;">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;"><a class="tocPGNUM" href="#a12">6</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 13.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a13" style="-sec-extract:exhibit;">Certain Relationships and Related Transactions, and Director Independence.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 14.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a14" style="-sec-extract:exhibit;">Principal Accounting Fees and Services.</a></div>
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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><a href="#part4" style="-sec-extract:exhibit;">PART IV</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 15.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a15" style="-sec-extract:exhibit;">Exhibits, Financial Statement Schedules.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;"><a class="tocPGNUM" href="#a15">9</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Item 16.</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#a16" style="-sec-extract:exhibit;">Form 10-K Summary.</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:right;"><a class="tocPGNUM" href="#a16">12</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="#signatures" style="-sec-extract:exhibit;">Signatures.</a></div>
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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">EXPLANATORY NOTE</div>

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<ix:nonNumeric contextRef="d202310KA" name="dei:AmendmentDescription"><div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">This Amendment No. 1 to the Annual Report on Form 10-K (this &#8220;Amendment No. 1&#8221;) of Usio, Inc. (the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; and &#8220;our,&#8221;) amends the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2022, which was filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) on March 8, 2023 (the &#8220;Original Form 10-K&#8221;). This Amendment No. 1 is being filed for the sole purpose of including the information required by Part III of Form 10-K.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">In accordance with Rules 12b-15 and 13a-14 under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), we have also amended Part IV, Item 15 to include currently dated certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 from our principal executive officer and principal financial officer. Because no financial statements have been included in this Amendment No. 1 and this Amendment No. 1 does not contain or amend any disclosure with respect to Items 307 and 308 of Regulation S-K, paragraphs 3, 4 and 5 of the certifications have been omitted. Similarly, because no financial statements have been included in this Amendment No. 1, certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 have been omitted.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Except as described above, this Amendment No. 1 does not amend any other information set forth in the Original Form 10-K, and we have not updated disclosures included therein to reflect any subsequent events. This Amendment No. 1 should be read in conjunction with the Original Form 10-K and with our other filings made with the SEC subsequent to the filing of the Original Form 10-K.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Terms not defined in this Amendment No. 1 have the meaning given to them in the Original Form 10-K.</div>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>PART III</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt -1pt;"><b>Board Diversity</b></div>

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<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">On August 6, 2021, the SEC approved amendments to the Listing Rules of NASDAQ related to board diversity. Listing Rule 5605(f) (the &#8220;Diverse Board Representation Rule&#8221;) requires each NASDAQ-listed company which has five or fewer directors such as Usio, subject to certain exceptions, (1) to have at least one director who self-identifies as female, Black or African American, Hispanic or Latinx, Asian, Native American or Alaska Native, Native Hawaiian or Pacific Islander, two or more races or ethnicities, or as LGBTQ+, or (2) to explain why the company does not have at least one director on its board who self-identifies in the categories listed above. In addition, Listing Rule 5606 (the &#8220;Board Diversity Disclosure Rule&#8221;) requires each NASDAQ-listed company, subject to certain exceptions, to provide statistical information about the company&#8217;s board of directors, in a uniform format, related to each director&#8217;s self-identified gender, race, and self-identification as LGBTQ+. In the matrix below, we have provided the statistical information required by the Board Diversity Disclosure Rule. Pursuant to Nasdaq Listing Rule 5606, as of April 27, 2023, our directors self-identify as follows:</div>

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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Female</b></div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Part I: Gender Identity</b></div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Directors</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">1</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">4</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Part II: Demographic Background</b></div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">3</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Hispanic or Latinx</div>
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			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">1</div>
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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Our Board of Directors</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following table sets forth information concerning our directors, including their ages as of May 1, 2023:</div>

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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Name</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Position(s)</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Louis A. Hoch</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">57</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Chairman, President, and Chief Executive &amp; Operating Officer</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Blaise C. Bender (1) (2) (3)</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">66</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michelle Miller (2) (3)</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">52</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Ernesto R. Beyers (1) (2) (3)</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">52</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Bradley Rollins (1) (2) (3)</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">51</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">_____________________</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(1) Member of the Nominating and Corporate Governance Committee of the Board.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(2) Member of the Compensation Committee of the Board.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(3) Member of the Audit Committee of the Board.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Set forth below are descriptions of the backgrounds and principal occupations of each of our directors, and the period during which he or she has served as a director.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Louis A. Hoch. </i>Mr. Hoch is the Co-Founder of our Company and the largest individual stockholder. He has served as our Chief Executive Officer since August 4, 2016, and as our President, Chief Operating Officer, and a director of our Company since July 1998. Additionally, Mr. Hoch serves as Chief Executive Officer of our wholly owned subsidiary FiCentive, Inc. From February 2007 to September 2022, Mr. Hoch served as Vice Chairman of our Board of Directors. In September 2022 Mr. Hoch was appointed as the Chairman of the Board.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Hoch is a valuable member of our Board as he has over thirty years of management experience, twenty-five years of which were at a senior executive level. Additionally, he is an expert in payment processing, large systems development, call center operations and service bureau operations. Mr. Hoch has held various key management positions with U.S. Long Distance, Billing Concepts, Inc., and Andersen Consulting.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Hoch holds a Bachelor of Business Administration in Computer Information Systems and a Master of Business Administration in International Business Management, both from Our Lady of the Lake University Business School. He holds the industry certifications in CCP and Certified Payments Professional.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board has determined that Mr. Hoch is qualified to serve as a director based upon his experience with our Company and its strategy and product offerings.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Blaise C. Bender.</i> Blaise C. Bender is currently President and Managing Stockholder of the law firm, Blaise C. Bender, P.C. The law firm concentrates on business and non-profit development, mergers and acquisitions, contractual and transactional analysis, business and individual tax planning, representation on tax issues and controversies impacting individuals and businesses, corporate legal counsel assistance, real estate, strategic planning, health care analysis and estate and trust assessment. Currently, Mr. Bender is a board member of Credit Human, FCU as well as the Texas Society of CPAs. He is also an adjunct faculty member at Trinity University where he teaches Master of Accounting.&#xa0;</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Bender is a member of the State Bar of Texas, TSCPA, and is a licensed CPA in Texas. He possesses over six years of experience in public accounting working for Arthur Andersen &amp; Co., Deloitte Touche, and Ernest and Young. Mr. Bender was also a Controller and CFO in private industry. He received his Bachelor of Business Administration in Accounting and a Master of Science in Finance from Texas A&amp;M University. Mr. Bender also received an MPA in Taxation from UTSA and a Juris Doctor in Law from St. Mary&#8217;s University.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board believes that Mr. Bender is qualified to serve on our Board of Directors because of his extensive financial and accounting experience.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Michelle Miller.</i> Michelle Miller has over 25+ years of experience in banking; she specialized in private banking, lending, and business development. She has served in executive roles for both InterContinental National Bank and Sterling Bank. From July 2005 to September 2008, Mrs. Miller served as a private banker for JPMorgan, San Antonio. From September 2008 to July 2021, Mrs. Miller served as the Senior Vice President of private banking for Broadway Bank, the largest independent bank in San Antonio, Texas.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mrs. Miller received her Bachelor of Business Administration in marketing from the University of Texas in 1993. Mrs. Miller actively participates in her local community. Currently, she serves on many non-profit boards and councils, including the Municipal Golf Association of San Antonio. Previously, Mrs. Miller served on the following boards: The Guide Dogs of Texas, United Way of San Antonio, Southwest Foundation for Biomedical Research, Boys and Girls Club of San Antonio and Family Violence Prevention Service/Battered Women&#8217;s Shelter.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board believes that Mrs. Miller&#8217;s experience in the banking industry provides the Company with key insights on customer relations, organizational management, as well as team and leadership management.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Ernesto R. Beyer.</i><b> </b>Ernesto R. Beyer has over 25 years of experience in international trade. He is currently serving as Latin America Market Manager of Xcoal Energy &amp; Resources, an American company that is the largest exporter of mineral coal from the United States. Mr. Beyer is the owner of Beyco International, LLC. He has developed and established commercial relationships with some of the largest steel producing companies and power utilities in Latin America, including government owned entities. Mr. Beyer has held managerial and leadership positions as Plant Manager at one of Trinity Industries, Inc.&#8217;s railcar manufacturing facilities in Mexico where he led operations from startup to full capacity production.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Beyer received his Master of Business Administration in International Business from the University of Texas at San Antonio in 1995 and his Bachelor of Science in Electronics and Communications Engineering from Monterrey Institute of Technology and Higher Education in Monterrey, Mexico in I 991.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board believes that Mr. Beyer&#8217;s extensive management experience in leadership roles provides our Company with valuable input.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Bradley Rollins.</i><b> </b>Bradley Rollins is the President and CEO of Dahill Office Technology Corporation, a Xerox company, one of Texas&#8217;s largest office technology organizations specializing in complete office automation. Mr. Rollins began his career at Dahill by joining the company&#8217;s sales organization in 2000. Quickly advancing through several specialist and management positions, he assumed the role of President and CEO in January 2009.&#xa0; Earlier in his career, Mr. Rollins was a regional sales director for Tri-State Financial Group, a financial planning firm, for over eight years.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Active in community development, Mr. Rollins is currently a board member of the United Way of San Antonio and serves as a regional fundraiser for the MS Society. From January 2014 to January 2015, Mr. Rollins served as a board member for the San Antonio Regional Development Foundation.&#xa0; From January 2013 to January 2014, he was the Chairman of the North San Antonio Chamber of Commerce, where he had been a member since 2008.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Rollins obtained a business management and mathematics degree from Western Kentucky University.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board believes that Mr. Rollins provides our Company with sales and leadership experience and business acumen.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Executive Officers</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following table sets forth information regarding our executive officers, including their ages as of May 1, 2022:</div>

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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Louis A. Hoch</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Chairman, President, and Chief Executive &amp; Operating Officer</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">66</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Chief Financial Officer</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Houston Frost, PhD</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Senior Vice President, Corporate Development and Prepaid Services</div>
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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Louis A. Hoch.</i><b> </b>For Mr. Hoch&#8217;s biography, please refer to the section entitled &#8220;<i>Item 10. Directors, Executives, Officers, and Corporate Governance.</i>&#8221;</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Tom Jewell.</i><b><i> </i></b>Mr. Jewell is a Certified Public Accountant who served as our Senior Vice President and Chief Financial Officer since January 6, 2017. He was a member of our Board of Directors from November 11, 2016, to January 6, 2017. Mr. Jewell has over 35 years of business leadership experience focused on management, auditing, accounting, internal controls, and finance. Previously, Mr. Jewell was the founder and owner of LTJ Financial Consulting, LLC.&#xa0; LTJ Financial Consulting provided Chief Financial Officer and Controller advisory services for middle market companies in need of accounting process improvements and business scaling. Mr. Jewell performed this role from May 2009 to January 2017. His clients included start-ups seeking funding, clients in retail, staffing, construction, and software industries and included serving as an FDIC approved consultant assisting the FDIC close failed banking institutions during the banking crisis. Prior to 2009, Mr. Jewell served as Chief Financial Officer for a multi-state photography studio chain from 2007 to 2009. Prior to 2007, Mr. Jewell provided financial leadership to divisional units of RadioShack, Verizon, and Kentucky Fried Chicken. Mr. Jewell began his career at Touche Ross (Deloitte). Mr. Jewell was a member of the Dallas and Fort Worth chapters of Financial Executives International (FEI) and a founding member of the Dallas Chapter of the CFO Leadership Council until 2018.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Jewell received his Bachelor of Business Administration in accounting from Marshall University in 1978 and his Master of Business Administration in Finance from Bellarmine University; Mr. Jewell graduated Magna Cum Laude from both universities.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Houston Frost, Ph.D.</i><b> </b>Mr. Frost has served as our Senior Vice President Corporate Development and Prepaid Products since December 2014. Motivated by the desire to reinvent the prepaid card, in 2010, Mr. Frost was the Co-Founder, President and Chief Executive Officer of Akimbo Financial, Inc. Mr. Frost has more than six years of experience in the prepaid and payments industry and ten years of experience in financial services. Prior to Akimbo, Mr. Frost worked in New York as an Associate at JPMorgan Chase &amp; Co. on the Fixed-Income Strategy team.&#xa0; Currently, Mr. Frost is a director of Trans Pecos Banks, SSB, Texas.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Frost earned his Ph.D. in Chemical and Biological Engineering from Northwestern University in 2007 and a Bachelor of Science in Chemical and Biological Engineering from the University of Colorado in 2003.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Greg Carter.</i><b> </b>Greg Carter a veteran of the United States Marine Corps, has been with the Company for over three years and currently serves as our Executive Vice President of Payment Acceptance. Mr. Carter has served in numerous senior management roles within the telecommunications, billing and settlement, and retail industries. Notably, from August 2004 to May 2012, Mr. Carter was the Chief Executive Officer for BSG Clearing Solutions, with revenues of $142 million dollars. Additionally, Mr. Carter has held senior-level sales and marketing roles at MCI/Telecom *USA, US Long Distance, Qwest and nii Communications.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The information required by this Item is incorporated by reference to the definitive proxy statement for our 2023&#xa0;Annual Meeting of Stockholders to be filed with the Securities and Exchange Commission within 120 days after the end of our fiscal year ended December 31, 2022, or the 2023&#xa0;Proxy Statement.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Item 405 of Regulation S-K requires the disclosure of, based upon our review of the forms submitted to us during and with respect to our most recent fiscal year, any known failure by any director, officer, or beneficial owner of more than ten percent of any class of our securities, or any other person subject to Section 16 of the Exchange Act, or reporting person, to file timely a report required by Section 16(a) of the Exchange Act. This disclosure is contained in the section entitled &#8220;Section 16(a) Beneficial Ownership Reporting Compliance&#8221; in the 2023&#xa0;Proxy Statement.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Certain Corporate Governance Matters</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On May 19, 2015, our Board established our committee structure by appointing an Audit Committee, a Compensation Committee, and a Nominations and Corporate Governance Committee. The Board of Directors has determined that each director who serves on these committees is &#8220;independent,&#8221; as that term is defined by the Nasdaq Listing Rules and rules of the SEC. The Board of Directors has adopted written charters for its Audit Committee, its Compensation Committee and its Nominations and Corporate Governance Committee. Copies of these charters are available on our website at www.usio.com/invest. In addition to the number of meetings referenced below, the Committees also took actions by unanimous written consent.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Audit Committee</span></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Board has established the Audit Committee, which is comprised of Messrs. Bender, Beyer, and Rollins and Mrs. Miller. The Audit Committee is a separately designated standing audit committee established in accordance with Section 3(a)(58)(A) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). Effective April 1, 2019, the Board of Directors determined that Mr. Bender met the standard of &#8220;audit committee financial expert,&#8221; as defined in Item 407(d)(5)(ii) of Regulation S-K and appointed him chair of Audit Committee.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Audit Committee&#8217;s purpose is to assist the Board of Directors in its general oversight of our financial reporting, internal control, and audit functions. Management is responsible for the preparation, presentation and integrity of our financial statements, accounting and financial reporting principles and internal controls and procedures designed to ensure compliance with accounting standards, applicable laws, and regulations. ADKF, P.C., our independent registered public accounting firm, is responsible for performing an independent audit of the consolidated financial statements in accordance with standards of the Public Company Accounting Oversight Board.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Audit Committee is not made up of professional accountants or auditors, and its function is not intended to duplicate or to certify the activities of management and the independent registered public accounting firm, nor can the Audit Committee certify that the independent registered public accounting firm is &#8220;independent&#8221; under applicable rules. The Audit Committee serves a board-level oversight role, in which it provides advice, counsel and direction to management and the independent registered public accounting firm on the basis of the information it receives, discussions with management and the auditors, and the experience of the Audit Committee&#8217;s members in business, financial and accounting matters.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Among other matters, the Audit Committee monitors the activities and performance of our independent registered public accounting firm, including the audit scope, external audit fees, auditor independence matters and the extent to which the independent auditor may be retained to perform non-audit services. The Audit Committee and the Board of Directors have ultimate authority and responsibility to select, evaluate and, when appropriate, replace our independent registered public accounting firm. The Audit Committee also reviews the results of the internal and external audit work with regard to the adequacy and appropriateness of our financial, accounting, and internal controls. Management and independent registered public accounting firm presentations to and discussions with the Audit Committee also cover various topics and events that may have significant financial impact or are the subject of discuss ions between management and the independent registered public accounting firm. In addition, the Audit Committee generally oversees our internal compliance programs.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">In overseeing the preparation of our financial statements, the Audit Committee has had access to our management to review and discuss all financial statements prior to their issuance and to discuss significant accounting issues. Management advised the Audit Committee that all financial statements were prepared in accordance with U.S. generally accepted accounting principles. For the year ended December 31, 2022, the Audit Committee received the independent registered public accounting firm&#8217;s letter and written disclosures required by the Independence Standards Board Standard No. I (Independence Discussions with Audit Committees). The Audit Committee met five times in 2022, and in addition, took action by unanimous written consent from time to time.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Compensation Committee</span></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Effective April 1, 2019, our Board appointed Mr. Bender as chair of the Compensation Committee. Mr. Rollins and Mr. Beyer have served as members of our Compensation Committee since May 19, 2015, and August 29, 2020, respectively, and Mrs. Miller has served as a member of the Compensation Committee since June 2022. Messrs. Bender, Beyer, and Rollins and Mrs. Miller meet the independence standards for independent directors under the rules of the Nasdaq Stock Market published in the Nasdaq Marketplace Rules. The Compensation Committee has a written charter. The Compensation Committee met two times in 2022, and in addition, took action by unanimous written consent from time to time.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Compensation Committee&#8217;s primary function is to assist the Board of Director s in meeting its responsibilities in regard to oversight and determination of executive compensation and to review and make recommendations with respect to major compensation plans, policies, and programs of our Company. Other specific duties and responsibilities of the Compensation Committee are to review and approve goals and objectives relevant to the recommendations for approval by the independent members of the Board of Directors regarding compensation of our Chief Executive Officer and other executive officers, establish and approve compensation levels for our Chief Executive Officer and other executive officers, and to administer our stock plans and other equity-based compensation plans.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Nominations and Corporate Governance Committee</span></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Effective April 1, 2019, our Board appointed Mr. Bender as chair of the Nominations and Corporate Governance Committee.&#xa0; Mr. Rollins and Mr. Beyer have served as members of our Governance Committee since May 19, 2015, and August 29, 2020, respectively. Messrs. Bender, Beyer, and Rollins meet the independence standards for independent directors under the rules of the Nasdaq Stock Market published in the Nasdaq Listing Rules. The Governance Committee has a written charter. The Governance Committee met two times in 2021, and in addition, took action by unanimous written consent from time to time.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Director Recommendation Process</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">As of May 1, 2023, there have been no material changes to the procedures by which stockholders may recommend nominees to our Board as described in the Company&#8217;s Definitive Proxy Statement filed with the SEC on April 29, 2022.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Code of Ethics</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We have adopted a Code of Ethics that applies to our principal executive officer, principal financial officer, principal accounting officer or controller, and persons performing similar functions. Our code of ethics was filed as Exhibit 14.1 to our quarterly report on Form 10-Q for the quarter ended June 30, 2015, on August 14, 2015. We will provide a copy of our code of ethics to any person without charge, upon request. Requests should be addressed to: Usio, Inc., Attn: Investor Relations Department, 3611 Paesanos Parkway, Suite 300, San Antonio, Texas 78231.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Board Meetings and Attendance </b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our Board of Directors held eight meetings during 2022, and in addition, took action from time to time by unanimous written consent. Each director attended at least 75% of the aggregate number of meetings of the Board of Directors held during the period for which such Director served on our Board of Directors and of the Committees on which such director served.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We do not have a policy that requires the attendance of directors at our Annual Meetings of Stockholders<b>. </b>All of our Directors attended the 2022 Annual Meeting.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Board Leadership Structure</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Long served as our Chairman of our Board of Directors from July 1998 until his death on September 7, 2022.&#xa0;</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Since August 4, 2016, Mr. Hoch has been our Chief Executive Officer. Mr. Hoch manages the day-to-day affairs of our Company and leads the Board meetings. Mr. Hoch has also served as our President, Chief Operating Officer, and a director of our Company since July 1998, and, since September 7, 2022, he has also served as Chairman of our Board of Directors. Our Board appointed Mr. Rollins as independent director on May <i>5, </i>2017. Effective April 1, 2019, our Board appointed Mr. Bender as independent director. Mr. Beyer was appointed to our Board on August 29, 2020. Effective June 15, 2022, our Board appointed Mrs. Miller as an independent director. Our Board believes that having a majority of independent directors serves our Company well.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Board believes that its structure should be informed by the needs and circumstances of our Company, the Board, and our stockholders.&#xa0;With this in mind, the Board believes that that the Chief Executive Officer is currently best situated to serve as Chairman because he is the director most familiar with Usio&#8217;s business and industry, and most capable of effectively identifying strategic priorities and leading the discussion and execution of strategy.&#xa0;The Board believes this provides Usio with an efficient and effective leadership model.&#xa0;The Board believes that combining the Chairman and Chief Executive Officer roles fosters clear accountability, effective decision-making, and alignment on corporate strategy.&#xa0;To assure effective independent oversight, the Board has adopted a number of governance practices, including:</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Section 16(a) of the Securities Exchange Act of 1934, as amended, requires our directors, executive officers and persons who own more than 10% of a registered class of our securities to file reports of beneficial ownership and changes in beneficial ownership with the Securities and Exchange Commission on Forms 3 (Initial Statement of Beneficial Ownership), 4 (Statement of Changes of Beneficial Ownership of Securities) and 5 (Annual Statement of Beneficial Ownership of Securities). Officers, directors and greater than 10% beneficial owners are required by SEC regulations to furnish us with copies of all Section 16(a) forms they file. To our knowledge, based solely on a review of copies of such reports, we believe that, during the fiscal year ended December 31, 2022, no person required to file reports under Section l 6(a) of the Securities Exchange Act of 1934 failed to file such reports on a timely basis during such fiscal year, except for the following forms: one form filed late by one day for one transaction by our director Mr. Brad Rollins; one form filed late by one day for two transactions by our director Mr. Blaise Bender; one form file late by fifteen days for one transaction by our director Mr. Ernesto Beyer; one form filed late by one day for one transaction by our officer Mr. Houston Frost; one form filed late by one day for one transaction by 10% holders Topline Capital Partners, LP and Topline Capital Management LLC; and one form filed late by twenty-one days for eleven transactions, two forms filed late by three days for three transactions each, and four forms filed late by one day for one transaction each by our former director Mr. Michael Long.</div>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>ITEM 11. EXECUTIVE COMPENSATION</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>Summary Compensation Table for the Years Ended December 31, 2022, and 2021</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">The following table sets forth the compensation for the years ended December 31, 2022 and 2021 awarded to, earned by, or paid to (i)&#xa0;all persons who served as our principal executive officers during the last fiscal year; (ii) our most highly compensated executive officer other than the principal executive officers; and (iii) one other person for whom disclosure would have been provided but for the fact that the person was not serving as an executive officer at the end of the last fiscal year. We refer to the individuals included in the Summary Compensation Table as our &#8220;named executive officers.&#8221;</div>

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<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tbody><tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 20%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Name and Principal Position</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Fiscal Year Ended</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Dec. 31</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Salary</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>($)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Bonus</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>($)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Stock Awards</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>($) (1)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>All Other Compensation ($) (2)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Total</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>($)</b></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 20%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Louis A. Hoch</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">588,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">33,168</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">621.168</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;"><i>Vice Chairman, President, and Chief Executive Officer</i></td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">495,385</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">830,700</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">29,401</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">1,355,486</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 20%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Tom Jewell</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">325,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">23,712</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">348,712</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;"><i>Chief Financial Officer</i></td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">246,538</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">453,690</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">19,820</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">720,048</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 20%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Houston Frost</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">209,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3,360</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">8,969</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">221,329</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;"><i>SVP, Corporate Development and Prepaid Services</i></td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">174,154</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">198,090</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">7,575</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">379,819</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 20%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Greg Carter</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">250,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">20,068</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">270,086</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;"><i>EVP, Payment Acceptance</i></td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">208,462</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">249,210</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">19,956</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 13%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">474,628</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(1)&#xa0;&#xa0; Represents the aggregate grant date fair value of stock awards granted in the covered fiscal year as computed in accordance with FASB ASC Topic 718. See Note 10 to the notes to our consolidated financial statements included in our Annual Report on Form&#xa0;10-K&#xa0;for the year ended December&#xa0;31, 2022, filed with the Securities and Exchange Commission for a discussion of all assumptions made in the calculation of this amount.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(2)&#xa0;&#xa0; The following table provides the details for the amounts reported in this column for each Named Executive Officer:</div>

<div style="margin: 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&#xa0;</div>

<table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: &quot;Times New Roman&quot;; width: 100%; margin-left: auto; margin-right: auto;">

		<tbody><tr>
			<td style="vertical-align: bottom; width: 13.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;"><b>Name</b></div>
			</td>
			<td style="vertical-align: bottom; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;"><b>Fiscal Year</b></div>
			</td>
			<td style="vertical-align: bottom; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;"><b>Matching 401(k) Contributions ($)</b></div>
			</td>
			<td style="vertical-align: bottom; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;"><b>Life Insurance Premiums ($)</b></div>
			</td>
			<td style="vertical-align: bottom; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;"><b>Membership Dues ($)</b></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: justify; margin: 0pt; font-family: &quot;Times New Roman&quot;;">Louis Hoch</div>
			</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2022</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">12,200</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">8,611</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">12,357</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%; border-bottom: 1px solid rgb(0, 0, 0);">&#xa0;</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2021</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">11,600</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">7,001</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">10,800</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: justify; margin: 0pt; font-family: &quot;Times New Roman&quot;;">Tom Jewell</div>
			</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2022</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">10,500</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">5,106</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">8,106</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%; border-bottom: 1px solid rgb(0, 0, 0);">&#xa0;</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2021</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">9,862</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2,758</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">7,200</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: justify; margin: 0pt; font-family: &quot;Times New Roman&quot;;">Houston Frost</div>
			</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2022</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">8,360</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">609</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">--</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%; border-bottom: 1px solid rgb(0, 0, 0);">&#xa0;</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2021</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">6,966</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">609</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">--</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: justify; margin: 0pt; font-family: &quot;Times New Roman&quot;;">Greg Carter</div>
			</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2022</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">10,000</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">1,980</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">8,106</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 13.3%; border-bottom: 1px solid rgb(0, 0, 0);">&#xa0;</td>
			<td style="vertical-align: top; width: 10.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2021</div>
			</td>
			<td style="vertical-align: top; width: 28.9%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">7,708</div>
			</td>
			<td style="vertical-align: top; width: 24.8%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">2,048</div>
			</td>
			<td style="vertical-align: top; width: 22.3%; border-bottom: 1px solid rgb(0, 0, 0);">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; text-align: center; margin: 0pt; font-family: &quot;Times New Roman&quot;;">7,200</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Narrative to Summary Compensation Table</b></div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b><i>Named Executive Officer Employment Agreements</i></b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We entered into an employment agreement with Louis A. Hoch effective February 27, 2007, as amended.&#xa0; Under the agreement, Mr. Hoch agreed to serve as our Vice Chairman of the Board, President and Chief Executive and Operating Officer. Mr. Hoch assumed the Chief Executive Officer role in August 2016 and the role of Chairman of the Board in September 2022. The employment agreement, as amended, provides for an annual base salary of $610,000 per year, unless increased by us. Mr. Hoch is also entitled to participate in any Company bonus program, option program or other equity program for senior executive officers commensurate with his position and duties.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We entered into an employment agreement with Mr. Jewell on January 6, 2017, as amended. Pursuant to the employment agreement, we agreed to pay Mr. Jewell a base annual salary of $325,000 effective November 22, 2021, increased from $240,000. In addition, Mr. Jewell will be entitled to receive performance stock grants or stock options as awarded by our management annually up to an amount not exceeding 50% of the highest salary received in any year of the agreement. Mr. Jewell also received 200,000 restricted stock units convertible into shares of our common stock, pursuant and subject to the terms of our 2015 Equity Incentive Plan. Such units vested in five equal installments, which began on January 6, 2018, and continued through January 6, 2022. The employment agreement has a term of two years with a renewal of one-year increments and such term commenced on April 18, 2023.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Frost received 266,667 shares of our common stock to be vested 120,000 shares in equal increments of 3,334 shares a month of which the first tranche of 3,334 shares vested on January 31, 2015, and the last tranche vested on December 31, 2017. The remaining shares vest on January 31, 2025. Mr. Frost will also be entitled to receive stock grants and future stock options as authorized by our executive compensation committee and/or our Chief Executive Officer. Since January 1, 2017, Mr. Frost has served as our Senior Vice President Corporate Development and Prepaid Products at-will with a salary of $200,000 per annum effective November 22, 2021, from $172,000 per annum effective October 12, 2020.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Carter has 175,000 restricted shares of common stock which will vest on December 31, 2029.&#xa0; Mr. Carter will also be entitled to receive stock grants and future stock options as authorized by our executive compensation committee and/or our Chief Executive Officer. From December 2, 2019, to February 17, 2023, Mr. Carter served as our Executive Vice President, Payment Acceptance, at-will with a salary of $205,000 per annum, raised to $250,000 per annum effective November 22, 2021. Effective on February 17, 2023, the Company entered into an employment agreement with Mr. Carter. Under the terms of this agreement, Mr. Carter will receive an annual salary of $250,000; Override/Commissions of 10% of the actual cash commissions paid to salespersons under direct management of Mr. Carter to be paid quarterly; and the payment of a one-time signing bonus of $40,000.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Company granted&#xa0;319,900&#xa0;shares of common stock with a&#xa0;10-year vesting period and&#xa0;141,900&#xa0;restricted stock units (RSUs) with a&#xa0;3-year vesting period to employees and Directors as a performance bonus on&#xa0;November 18, 2021&#xa0;at an issue price of $6.39&#xa0;per share. Executive officers and Directors included in the&#xa0;10-year grant were Louis Hoch (100,000&#xa0;shares), Tom Jewell (50,000&#xa0;shares), Greg Carter (30,000&#xa0;shares) and Houston Frost (25,000&#xa0;shares). Executive officers and Directors included in the RSU grant were Louis Hoch (30,000&#xa0;shares), Tom Jewell (21,000&#xa0;shares), Greg Carter (9,000&#xa0;shares) Houston Frost (6,000&#xa0;shares), Blaise Bender (12,000&#xa0;RSUs), Brad Rollins (12,000&#xa0;RSUs) and Ernesto Beyer (12,000&#xa0;RSUs).</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: justify;">The Company granted&#xa0;1,403,000&#xa0;shares of restricted common stock with a&#xa0;10-year vesting period and&#xa0;273,000&#xa0;restricted stock units (RSUs) with a&#xa0;3-year vesting period to employees and Directors as a performance bonus on&#xa0;&#xa0;&#xa0;February 8, 2023&#xa0;at an issue price of $1.75&#xa0;per share. Executive officers and Directors included in the&#xa0;10-year restricted stock grant were Louis Hoch (330,000&#xa0;shares), Tom Jewell (200,000&#xa0;shares), Greg Carter (100,000&#xa0;shares) and Houston Frost (100,000&#xa0;shares). Executive officers included in the RSU grant were Louis Hoch (33,000&#xa0;shares), Tom Jewell (21,000&#xa0;shares), Greg Carter (12,000&#xa0;shares) and Houston Frost (12,000&#xa0;shares).</div>

<div style="font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; margin: 0pt;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Outstanding Equity Awards at Fiscal Year-End </b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following table shows grants of unvested stock awards by grant date outstanding on December 31, 2022, the last day of our fiscal year, to each of the named executive officers included in the Summary Compensation Table. Share numbers have been adjusted for 1-for-15 reverse stock split effective July 23, 2015.<b> </b>&#xa0;&#xa0;&#xa0;</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#xa0;</div>

<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tbody><tr>
			<td colspan="4" style="border-bottom:solid 1px #000000;vertical-align:top;width:100.1%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b><span style="text-decoration: underline;">Stock awards</span></b></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 661px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Name</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 220px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Grant Date</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 273px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Number of shares or units of stock that have not vested.</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>(#)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 557px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Market value of shares or units of stock that have not vested.</b></div>

			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>($)(1)</b></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: middle; width: 661px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Louis A. Hoch</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">12/29/2014</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">533,334 (2)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">879,999</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/22/2017</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">300,000 (3)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">495,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4/1/2020</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">300,000 (4)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">495,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">100,000 (5)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">165,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">20,000 (6)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">33,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Tom Jewell</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px; text-align: center;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/22/2017</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">150,000 (3)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">247,500</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4/1/2020</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">200,000 (4)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">330,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">50,000 (5)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">82,500</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">14,000 (6)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">23,100</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px; text-align: center;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Houston Frost</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px; text-align: center;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">12/23/2014</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">146,667 (7)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">242,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/22/2017</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">100,000 (3)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">165,000</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4/1/2020</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">150,000 (4)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">247,500</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">25,000 (5)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">41,250</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4,000 (6)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">6,600</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2/8/2022</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">1,000 (8)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">1,650</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px; text-align: center;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Greg Carter</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px; text-align: center;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px; text-align: center;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">12/31/2019</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">175,000 (8)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">288,750</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">30,000 (5)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">49,500</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 661px;">&#xa0;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 220px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/18/2021</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 273px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">6,000 (6)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 557px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">9,900</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(l)&#xa0;&#xa0;&#xa0; Calculated using the Nasdaq Capital Market closing price of $1.65 per share of our common stock on the last trading day of our fiscal year, or December 31, 2022.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(2)&#xa0;&#xa0; Vests on December 29, 2024, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(3)&#xa0;&#xa0; Vests on November 22, 2027, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(4)&#xa0;&#xa0; Vests on April 1, 2030, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(5)&#xa0;&#xa0; Vests on November 18, 2031, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(6)&#xa0; Vests in two equal tranches on November 18, 2023, and 2024 or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(7)&#xa0; Vests on December 23, 2024, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(8)&#xa0; Vests in three equal tranches on February 8, 2023, 2024, and 2025 or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(9)&#xa0;&#xa0; Vests on December 31, 2029, or earlier upon a change of control.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">(10) Vests on December 31, 2029, or earlier upon a change of control.</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Narrative to Outstanding Equity Awards at Fiscal Year-End Table</b></div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b><i>Retirement Benefits</i></b></div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We do not have any qualified or non-qualified defined benefit plans. We do have a tax-qualified defined contribution plan pursuant to Section 401(k) of the Internal Revenue Code. All of our eligible full and part-time employees who meet certain age requirements may participate in these 401(k) plans. Participants may contribute between 1% and 80% of their pre-tax compensation but may not contribute more than the maximum as mandated by law. The 401(k) plan allows for us to make discretionary and matching contributions. In 2022 and 2021, the Company matched 100% of employee contributions up to 3% and 50% of&#xa0;the employee contribution over 3% with a maximum employee contribution of 5%.&#xa0; The Company made matching contributions of $262,530 and $212,870 in 2022 and 2021, respectively.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b><i>Non-qualified Deferred Compensation</i></b></div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We do not have any non-qualified defined contribution plans or other deferred compensation plans.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b><i>Potential Payments Upon Termination or Change of Control</i></b></div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The employment agreements we entered into with Mr. Hoch and Mr. Jewell, respectfully, provide for potential payments upon termination or a change of control.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Pursuant to our employment agreement with Louis Hoch Chairman of the Board, President, Chief Executive Officer, and Chief Operating Officer, as amended, in the event of change in control, termination without cause, or non-renewal of the employment agreement, we will be liable for separation payments, equaling an amount of (a) 2.95 of the base salary and bonus payments, plus (b) a pro rata portion of the annual bonus based on the number of days elapsed in the year prior, plus (c) 2.0 times the base salary for non-competition, and (d) one year of continuing other benefits. We will also accelerate vesting of stock incentive awards, which as of December 31, 2021, are approximately $3&#xa0;million.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">In the case of termination of the agreement due to the death of Mr. Hoch, we will be liable for separation payments, equaling an amount of 2.95 of the base salary. The deferred compensation does not include amounts paid or accrued to Mr. Hoch for bonuses or bonus compensation, benefits, or equity awards. Unpaid and unearned bonus compensation or bonus deferred compensation is forfeited. No deferred compensation will be due as long as we and/or an insurance company continue to pay Mr. Hoch&#8217;s base salary, minus any monthly base salary already paid to the executive prior to his death pursuant to his disability, to his estate for a period of up to 36 months. If these continuing payments cease before 36 months, we will have to pay his estate the deferred compensation minus any base salary payments within 30 days of the cessation. Further, all stock options issued to the executive and all restricted stock granted to Mr. Hoch shall continue on their vesting schedule.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">In the case of termination of the agreement due to disability without death by Mr. Hoch, we will be liable for separation payments, equaling an amount of disability benefits constituting base salary for 36 months. Unpaid and unearned bonus compensation or bonus deferred compensation is forfeited. Further, all stock options issued to Mr. Hoch and all restricted stock granted to Mr. Hoch shall continue on their vesting schedule. No further compensation will be due for compliance with the agreements&#8217; non-compete, non-solicitation and disparagement clauses.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Pursuant to our employment agreement with Mr. Jewell, our Chief Financial Officer, in the event of a change in control, termination upon our default, by Mr. Jewell without cause, we will be liable for separation payments. The deferred compensation shall be the amount which is calculated as the base salary payments Mr. Jewell would have received had his employment continued for the remaining term of the employment agreement (including yearly increases calculated at the maximum increase for the prior two years) plus twelve months of base salary, plus all of the benefits remaining under the employment agreement and a pro-rata portion of the bonus compensation for that year. In addition, all stock options and restricted stock granted to Mr. Jewell will become fully vested.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Pursuant to our employment agreement with Mr. Carter, our Executive Vice President, Payment Acceptance, in the event of a change in control, termination upon our default, by Mr. Carter without cause, we will be liable for separation payments. The deferred compensation shall be the amount which is calculated as the base salary payments Mr. Carter would have received had his employment continued for the remaining term of the employment agreement (including yearly increases calculated at the maximum increase for the prior two years), plus all of the benefits remaining under the employment agreement and a pro-rata portion of the bonus compensation for that year. In addition, all stock options and restricted stock granted to Mr. Carter will become fully vested.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Director Compensation</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following table sets forth information concerning the compensation provided to each person who served as a non-employee member of our Board of Directors during the year ended December 31, 2022. Compensation provided to Directors who are also employees is listed in the Summary Compensation Table for the years ended December 31, 2022, and 2021 in the section &#8220;Executive Compensation.&#8221;</div>

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<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tbody><tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Name</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Fees earned or paid in cash</b></div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>($) (1)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Stock Awards ($) (2)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>All other compensation ($)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Total ($)</b></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michael R. Long (3)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">184,385</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11,584 (4)</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">195,969</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Blaise C. Bender</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">19,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 20%; text-align: center;">--</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">&#xa0;19,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Bradley Rollins</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 20%; text-align: center;">--</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Ernesto Beyer d.l. Garza</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%; text-align: center;">--</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">4,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michelle Miller</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">184,668</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%; text-align: center;">--</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 20%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">186,668</div>
			</td>
		</tr>

</tbody></table>

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<table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:Times New Roman;font-size:10pt;">

		<tbody><tr>
			<td style="vertical-align:top;width:18pt;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">1.</div>
			</td>
			<td style="vertical-align:top;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Represents meeting fees, except for Mr. Long.</div>
			</td>
		</tr>

</tbody></table>

<table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; width: 100%; font-family: &quot;Times New Roman&quot;;">

		<tbody><tr>
			<td style="vertical-align:top;width:18pt;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;;">2.</div>
			</td>
			<td style="vertical-align:top;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;;">Represents the aggregate grant date fair value of stock awards granted in the covered fiscal year as computed in accordance with FASB ASC Topic 718. See Note 10 to the notes to our consolidated financial statements included in our Annual Report on Form&#xa0;10-K&#xa0;for the year ended December&#xa0;31, 2022, filed with the Securities and Exchange Commission for a discussion of all assumptions made in the calculation of this amount.</div>
			</td>
		</tr>

</tbody></table>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">As of December 31, 2022, the aggregate number of shares subject to outstanding equity awards held by our non-employee directors who served on our Board during 2022 was:</div>

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<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tbody><tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:24.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Name</b></div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:29%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Stock Awards</b></div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:22.5%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Vested</b></div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:31.7%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Unvested</b></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:24.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Blaise C. Bender</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:29%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">86,477</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:22.5%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">78,477</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:31.7%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">8,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:24.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Bradley Rollins</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:29%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">108,667</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:22.5%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">100,667</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:31.7%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">8,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:24.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Ernesto Beyer d.l. Garza</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:29%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">78,667</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:22.5%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">70,667</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:31.7%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">8,000</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:24.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michelle Miller</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:29%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">66,667</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:22.5%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:middle;width:31.7%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">66,667</div>
			</td>
		</tr>

</tbody></table>

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<table border="0" cellpadding="0" cellspacing="0" style="width:100%;font-family:Times New Roman;font-size:10pt;">

		<tbody><tr>
			<td style="vertical-align:top;width:18pt;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">3.</div>
			</td>
			<td style="vertical-align:top;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michael Long was our long-time Co-Founder and served as our Chief Executive Officer until August 4, 2016. He served as our Chairman of the Board from July 1998 to September 2022. Mr. Long elected to receive a base salary of $255,000 per year in lieu of the base salary of $375,000 that would have been due to him for 2017 under the employment agreement effective February 27, 2007, as amended. No deferred compensation was owed to Mr. Long for 2022.&#xa0;&#xa0;Mr. Long passed away on September 7, 2022.</div>
			</td>
		</tr>

</tbody></table>

<table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; width: 100%; font-family: &quot;Times New Roman&quot;;">

		<tbody><tr>
			<td style="vertical-align:top;width:18pt;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;;">4.</div>
			</td>
			<td style="vertical-align:top;">
			<div style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;;">Mr. Long&#8217;s other compensation in 2022 consisted of $1,765 in 401(k) contributions and $9,819 of life insurance benefits.</div>
			</td>
		</tr>

</tbody></table>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Narrative to Director Compensation Table </b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">During 2022, Mr. Hoch received no compensation for serving on our Board of Directors due to his status as Chief Executive Officer of our Company. Mr. Hoch&#8217;s compensation is detailed in the section &#8220;Executive Compensation&#8221;.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Mr. Michael Long is our Co-Founder and has served as our Chief Executive Officer and Chairman of the Board since 1998. On August 4, 2016, Mr. Long retired as our Chief Executive Officer but continued to provide his extensive knowledge as our Chairman of the Board. Prior to Mr. Long&#8217;s retirement, we entered into an employment agreement effective February 27, 2007, as amended. In connection with Mr. Long&#8217;s retirement as our Chief Executive Officer, we agreed to continue paying his agreed-upon compensation, benefits, and expense reimbursements. The agreement provides for an annual base salary of $375,000 per year, unless increased by us. In addition, Mr. Long will receive an annual bonus of $216,000 during the term of the agreement to be paid in cash or stock at our sole discretion. In 2022, Mr. Long elected to receive a base salary of $255,000 per year in lieu of the base salary of $375,000 that would have been due to him for 2022 under the employment agreement and no bonus compensation. No deferred compensation is owed to Mr. Long for 2022.&#xa0; Mr. Long passed away on September 7, 2022.&#xa0;</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michael Long was potentially entitled to certain Deferred Compensation, to be paid within thirty (30) days of his death. Mr. Long&#8217;s beneficiary Katherine Ayers received payment from three life insurance policies purchased by the Company in the total amount of $665,000.00. Based on Mr. Long&#8217;s annual compensation of $255,000.00, the amount due and owing to Michael for Deferred Compensation was $752,250.00. This amount was calculated by multiplying Michael's annual salary by 2.95 (per Mr. Long&#8217;s employment agreement). After offsetting the insurance payments by the Company to Mrs. Ayers, the balance owed to Michael's estate for Deferred Compensation was $87,250.00 to be paid in equal payments of $2,423.61&#xa0;over thirty -six months. The Company agreed to accelerate the monthly payments into a single lump sum payment of $87,500. On December 19, 2022, Mrs. Ayers, on behalf of Michael Long&#8217;s estate, signed a full release for the lump sum payments.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We entered into independent director agreements with all our independent directors, Messrs. Bender, Rollins, and Beyer. Per the agreements, we agreed to pay each director $1,000 per quarter for participating in board and committee meetings, including the annual shareholder meeting. As chair of the Audit Committee, Mr. Bender received $15,000 in additional annual compensation, but no additional compensation for ad hoc or preparatory meetings or for being the chair of another committee. Our directors do not receive any additional compensation for ad hoc or preparatory meetings or for being the chair of a committee, other than the chair of the Audit Committee who receives an additional $15,000 per annum upon the timely filing of the annual report with the Securities and Exchange Commission. In addition, an Audit Committee member who is not a chairperson but holds a valid CPA license will receive an additional $5,000 per annum.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Pursuant to the independent director agreements, the terms of their respective directorships terminate on the earliest of the following: (a) the death or disability of the director; (b) the termination of the director from membership on the Board by mutual agreement; (c) the removal of the respective director from the Board by the majority stockholders of the Company; and (d) the resignation by the director from the Board.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">All restricted stock units were granted for services on our Board of Directors. Any unvested units are forfeited upon termination of the directorship for any reason.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Any unvested units are forfeited upon termination of the director ship for any reason.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Security Ownership of Certain Beneficial Owners</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following tables set forth, to our knowledge, certain information concerning the beneficial ownership of our common stock as of April 27, 2023 by: (i) each stockholder known by us to be the beneficial owner of more than 5% of the outstanding shares of our common stock, (ii) each of our Named Executive Officers, (iii) each of our current directors, and (iv) all of our directors and executive officers as a group. Unless otherwise noted, the address for each stockholder is c/o Usio, Inc., 3611 Paesanos Parkway, Suite 300, San Antonio, TX 78231.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We have determined beneficial ownership in accordance with the rules of the SEC.&#xa0; Except as indicated by the footnotes below, we believe, based on the information furnished to us, that the persons and entities named in the tables below have sole voting and investment power with respect to all shares of common stock that they beneficially own, subject to applicable community property laws.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">In computing the number of shares of common stock beneficially owned by a person and the percentage ownership of that person, we deemed outstanding shares of common stock subject to options held by that person that are currently exercisable or exercisable within 60 days after April 27, 2023. However, we did not deem these shares outstanding for the purpose of computing the percentage ownership of any other person.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Stockholders Known by Us to Own 5% or More of Our Common Stock</div>

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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Name address of beneficial owner</b></div>
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			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Amount and Nature of Beneficial Ownership</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Percent of Shares Beneficially Owned (1)</b></div>
			</td>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">National Services, Inc. (2)</div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">50 E. Green St.</div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Pasadena, CA 91101</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2,531,427</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">9.5%</div>
			</td>
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		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Katherine Ayers, Surviving Spouse of Michael Long</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">1,901,873</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">7.2%</div>
			</td>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Topline Capital Partners, L.P. (3)</div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">913 3rd Street, Unit 201</div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Santa Monica, CA 90405</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2,037,287</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 33%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">7.7%</div>
			</td>
		</tr>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(1)&#xa0;&#xa0; On April 27, 2023, we had a total of 26,536,638 shares of common stock issued and outstanding (which excludes 1,954,445 treasury shares).</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(2)&#xa0;&#xa0; Based upon the Schedule 13G filed with the SEC by National Services, Inc. on March 23, 2016.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(3)&#xa0;&#xa0; Based upon the Schedule 13G/A (the &#8220;13G/A&#8221;) filed with the SEC by Topline Capital Partners, L.P. (the &#8220;Fund&#8221;), Topline Capital Management, LLC (&#8220;TCM&#8221;) and Collin McBirney on February 13, 2023. As set forth in the 13G/A, the shares of our common stock reported on the 13 G/A as beneficially owned by TCM are held by and for the benefit of the Fund. According to the 13G/A, under the definition of &#8220;beneficial ownership&#8221; in Rule 13d-3 under the Exchange Act, it is also possible that the individual general partners, executive officers, and members of the foregoing entities might be deemed the &#8220;beneficial owners&#8221; of some or all of the shares insofar as they may be deemed to share the power to direct the voting or disposition of such shares. TCM, as the investment manager and general partner of the Fund, and Collin McBirney, as the member-manager of TCM, may, therefore, be deemed to beneficially own the shares held by the Fund for the purposes of Rule 13d-3 under the Exchange Act insofar as they may be deemed to have the power to direct the voting or disposition of those shares. As set forth in the 13G/A, neither the filing of the 13G/A nor any of its contents shall be deemed to constitute an admission that any of TCM or Mr. McBirney is, for any other purpose, the beneficial owner of any of the shares held by the Fund, and each of TCM and Mr. McBirney expressly disclaims beneficial ownership as to the shares held by the Fund, except to the extent of its or his pecuniary interests therein.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Security Ownership of Officers and Directors</b></div>

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			<td colspan="5" style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 1558px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Amount of Beneficial Ownership</b></div>
			</td>
			<td style="vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Percent of Shares Beneficially Owned (3)</b></div>
			</td>
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			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Name and address of beneficial owner (1)</b></div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Nature of beneficial ownership</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Shares Owned</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Shares </b>&#8211;<b>&#xa0;Rights to Acquire (2)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Total</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px; text-align: center;">&#xa0;</td>
		</tr>
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			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Louis Hoch</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">President, Chief Executive Officer, and Vice Chairman of the Board</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3,020,656</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">53,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3,073,656</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11.6%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Houston Frost</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Senior Vice President</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">666,527</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">16,500</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">683,027</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2.6%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Tom Jewell</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Chief Financial Officer</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">767,517</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">35,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">802,517</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3.0%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Greg Carter</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Executive Vice President</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">308,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">18,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">326,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">1.2%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Ernesto Beyer</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">52,222</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">29,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">81,222</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">0.3%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Brad Rollins</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">100,667</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">29,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">129,667</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">0.5%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24.3%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Blaise Bender</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.8%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">78,477</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">29,000</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">107,477</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">0.4%</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:24%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Michelle Miller</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:23.4%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Director</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">-</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">72,667</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">72,667</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">0.3%</div>
			</td>
		</tr>
		<tr>
			<td colspan="2" style="border-bottom:solid 1px #000000;vertical-align:top;width:45.1%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>All directors and executive officers as a group (8 persons)</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 242px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>4,998,510</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 260px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>282,167</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 208px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>5,280,677</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 158px;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>20.0%</b></div>
			</td>
		</tr>

</tbody></table>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">*&#xa0;&#xa0;&#xa0;&#xa0;&#xa0; Indicates ownership of less than 1.0%.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(1)&#xa0;&#xa0; Unless otherwise stated, the address of each beneficial owner listed on the table is c/o Usio, Inc., 3611 Paesanos Parkway, Suite 300, San Antonio, Texas 78231.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(2)&#xa0;&#xa0; Represents shares subject to outstanding stock options and restricted stock units currently exercisable or which will be exercisable, or currently vested or that will vest within 60 days April 27, 2023.</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">(3)&#xa0;&#xa0; On April 27, 2023, we had a total of 26,536,638 shares of common stock issued and outstanding (which excludes 1,954,445 treasury shares).</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&#xa0;</div>

<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">As of December 31, 2022, there were no arrangements among our beneficial owners, known to management, which may result in a change in control of our Company.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Equity Compensation Plan Information</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The following table provides information as of December 31, 2022, with respect to compensation plans (including individual compensation arrangements) under which our equity securities are authorized for issuance:</div>

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<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tbody><tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Plan Category</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Number of securities to be issued upon exercise of outstanding options and rights</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Weighted-average exercise price of outstanding </b></div>

			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>options and rights</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))</b></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Equity compensation plans approved by security holders</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">349,700</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">$3.92</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">7,444,266</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Equity compensation plans not approved by security holders</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Total</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>349,700</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>$3.92</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 25%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>7,444,266</b></div>
			</td>
		</tr>

</tbody></table>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Our 2015 Equity Incentive Plan provides for the grant of incentive stock options as defined in Section 422 of the Internal Revenue Code and the grant of stock options, restricted stock, stock units, performance awards, or other awards to employees, non-employee directors, and consultants.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Board of Directors authorized 5,000,000 shares (adjusted for the l-for-15 reverse split effective on July 23, 2015) of our common stock for issuance under the 2015 Equity Incentive Plan, including automatic increases provided for in the 2015 Equity Incentive Plan through fiscal year 2025. The number of shares of our common stock reserved for issuance under the 2015 Equity Incentive Plan will automatically increase, with no further action by the stockholders, on the first business day of each fiscal year during the term of the Plan, beginning January l, 2016, in an amount equal to 5% of the issued and outstanding shares of stock on the last day of the immediately preceding year, or such lesser amount if so determined by the Board or the Administrator. On January 1, 2023, 2022 and 2021, respectively, the number of authorized common shares under the plan increased by 1,254,898, 1,273,672, and 1,248,749, respectively, in accordance with the automatic increase provision described above.&#xa0;</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">It is our policy that all employees, officers, and directors must avoid any activity that is or has the appearance of conflicting with the interests of our Company. Our Audit Committee reviews all related party transactions for potential conflict of interest situations on an ongoing basis and all such transactions relating to executive officers and directors must be approved by the Audit Committee.&#xa0; In carrying out this responsibility, the Audit Committee has determined that we have the following related party transactions.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Louis Hoch</span></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">During the years ended&#xa0;December 31, 2022,&#xa0;and&#xa0;2021, the Company purchased $22,835&#xa0;and $4,009, respectively, of corporate imprinted sportswear, promotional items, and caps from Angry Pug Sportswear. Louis Hoch, Chairman (since September 2022), President, Chief Executive Officer, and Chief Operating Officer is a&#xa0;50% owner of Angry Pug Sportswear.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Officers and Directors</span></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On&#xa0;January 6, 2021,&#xa0;the Company repurchased&#xa0;11,860&#xa0;shares for $38,545&#xa0;in a private transaction at the closing price on&#xa0;January 6, 2021,&#xa0;of $3.25&#xa0;per share from Tom Jewell, the Company&#8217;s Chief Financial Officer, to cover his share of taxes.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On&#xa0;January 6, 2022,&#xa0;we repurchased&#xa0;11,361&#xa0;shares for $47,930&#xa0;in a private transaction at the closing price on&#xa0;January 6, 2022,&#xa0;of $4.21&#xa0;per share from Tom Jewell, the Company&#8217;s Chief Financial Officer, to cover his share of taxes.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On&#xa0;October 4, 2022,&#xa0;we repurchased&#xa0;26,234&#xa0;shares for $42,761&#xa0;in a private transaction at the closing price on&#xa0;October 4, 2022,&#xa0;of $1.63&#xa0;per share from Louis Hoch, the Company&#8217;s Chairman, President, Chief Executive Officer,&#xa0;and Chief Operating Officer, to cover his share of taxes.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On&#xa0;June 26, 2022,&#xa0;The Company granted&#xa0;66,667 restricted stock units (RSUs) with a&#xa0;3-year vesting period to Michelle Miller for joining the Board of Directors at an issue price of $2.28&#xa0;per share.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Company granted&#xa0;319,900&#xa0;shares of restricted common stock with a&#xa0;10-year vesting period and&#xa0;141,900&#xa0;restricted stock units (RSUs) with a&#xa0;3-year vesting period to employees and Directors as a performance bonus on&#xa0;&#xa0;&#xa0;November 18, 2021,&#xa0;at an issue price of $6.39&#xa0;per share. Executive officers and Directors included in the&#xa0;10-year restricted stock grant were Louis Hoch (100,000&#xa0;shares), Tom Jewell (50,000&#xa0;shares), Greg Carter (30,000&#xa0;shares) and Houston Frost (25,000&#xa0;shares). Executive officers and Directors included in the RSU grant were Louis Hoch (30,000&#xa0;shares), Tom Jewell (21,000&#xa0;shares), Greg Carter (9,000&#xa0;shares) Houston Frost (6,000&#xa0;shares), Blaise Bender (12,000&#xa0;RSUs), Brad Rollins (12,000&#xa0;RSUs) and Ernesto Beyer (12,000&#xa0;RSUs).</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On April 1, 2020,&#xa0;the Company granted&#xa0;1,444,000&#xa0;shares of restricted common stock with a&#xa0;10-year vesting period and&#xa0;103,000&#xa0;restricted stock units (RSUs) with a&#xa0;3-year vesting period to employees and Directors as a performance bonus&#xa0;at an issue price of $1.08&#xa0;per share. Executive officers and Directors included in the grants were Louis Hoch (300,000&#xa0;shares), Tom Jewell (200,000&#xa0;shares), Blaise Bender (10,000&#xa0;RSUs) and Brad Rollins (30,000&#xa0;RSUs).</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On&#xa0;February 8, 2023,&#xa0;The Company granted&#xa0;1,403,000&#xa0;shares of restricted common stock with a&#xa0;10-year vesting period and&#xa0;273,000&#xa0;restricted stock units (RSUs) with a&#xa0;3-year vesting period to employees and Directors as a performance bonus at an issue price of $1.75&#xa0;per share. Executive officers and Directors included in the&#xa0;10-year restricted stock grant were Louis Hoch (330,000&#xa0;shares), Tom Jewell (200,000&#xa0;shares), Greg Carter (100,000&#xa0;shares) and Houston Frost (100,000&#xa0;shares). Executive officers included in the RSU grant were Louis Hoch (33,000&#xa0;shares), Tom Jewell (21,000&#xa0;shares), Greg Carter (12,000&#xa0;shares) and Houston Frost (12,000&#xa0;shares).</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">On March 16, 2023, The Company granted&#xa0;69,000 restricted stock units (RSUs) with a&#xa0;3-year vesting period to Directors as a performance bonus at an issue price of $1.60 per share. Directors included in the RSU grant were Blaise Bender&#xa0;(21,000&#xa0;shares), Brad Rollins&#xa0;(21,000&#xa0;shares), Ernesto Beyer (21,000&#xa0;shares) and Michelle Miller (6,000&#xa0;shares).</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Independent Directors</b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><i>Standard for Independence</i></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We determine independence using the definitions set forth in the Nasdaq Listing Rules and the rules under the Exchange Act. These definitions define independence based on whether the director or a family member of the director has been employed by the Company in the past three years, how much compensation the director or family member of a director received, how much stock the director or family member of the director owns in the Company and whether the director or family member of the director is associated with the Company&#8217;s independent registered public accounting firm.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Board has determined that Messrs. Bender, Beyer, and Rollins and Mrs. Miller are independent as defined by Rule 5605(a)(2) of the Nasdaq Listing Rules. The Board of Directors periodically conducts a self-evaluation on keyboard and committee-related issues, which has proven to be a beneficial tool in the process of continuous improvement in the Board&#8217;s functioning and communication.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">ADKF, P.C. has audited our financial statements since 2003. The aggregate fees billed to us for professional accounting services, including the audit of our annual consolidated financial statements by our independent registered public accounting firm for the years ended December 31, 2022, and 2021, are set forth in the table below.</div>

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			<td colspan="2" style="border-bottom:solid 1px #000000;vertical-align:top;width:66.3%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Year Ended December 31,</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>2022</b></div>
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			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:33.9%;">
			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>2021</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Audit fees</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">137,000</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">$124,500</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Audit-Related Fees</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">--</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Tax fees</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">19,000</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">$19,000</div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Other fees</div>
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			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:33.3%;">
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b>Total fees</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>156,000</b></div>
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			<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">$<b>143,500</b></div>
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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">For purposes of the preceding table, the professional fees are classified as follows:</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Audit Fees</span>.&#xa0; Audit fees include fees for professional services billed for the audit of the consolidated financial statements included in our annual report on Form 10-K filing, the review of consolidated financial statements included in our quarterly reports on Form 10-Q filings, comfort letters, consents, and assistance with and review of documents filed with the SEC. The fees include amounts billed to us during each respective calendar year.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Audit-Related Fees</span>. Audit-Related fees include the aggregate fees billed&#xa0;for assurance and related services by the principal accountant that are reasonably related to the performance of the audit or review of our consolidated financial statements and are not reported under&#xa0;Audit Fees.&#xa0;We did not pay any audit-related fees in 2021 or 2022.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Tax Fees</span>.&#xa0; Tax fees include fees for professional services rendered by our independent registered public accounting firm for tax compliance, tax planning and tax advice. Tax compliance involves preparation of original and amended tax returns. Tax planning and tax advice encompass a diverse range of sub jects, including assistance with tax audits and appeals, tax advice related to dispositions, and requests for rulings or technical advice from taxing authorities. The fees include amounts billed to us during each respective calendar year.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><span style="text-decoration: underline;">Other Fees</span>.&#xa0; Other fees may include fees for professional services rendered by our independent registered public accounting firm for fees other than represented in Audit Fees and Tax Fees. We did not pay any other fees in 2021 or 2022.</div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"><b><span style="text-decoration: underline;">Audit Committee Pre-Approval Policies and Procedures</span></b></div>

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<div style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">We may not engage our independent registered public accounting firm to render any audit or non-audit service unless our Audit Committee approves the service in advance. All of the services performed by our independent registered public accounting firm described above were approved in advance by our Audit Committee.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>PART IV</b></div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES</b></div>

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			<td colspan="1" style="vertical-align: bottom; width: 11.4%; text-align: justify;"><b>(a) </b><b>(1)</b> <b>The financial statements required in response to this item are incorporated herein by reference from Item 8 of this Annual Report on Form 10-K, initially filed on March&#xa0;8, 2023.</b></td>
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			<td colspan="1" style="vertical-align: bottom; width: 11.4%; text-align: justify;"><b>(a) (2) All financial statement schedules are omitted because they are not required or applicable, or the required information is shown in the consolidated financial statements or the notes thereto.</b></td>
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			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><span style="text-decoration: underline;">Description</span></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">3.1</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000123174206000226/ex31.txt" style="-sec-extract:exhibit;">Amended and Restated Articles of Incorporation (included&#xa0;as exhibit 3.1 to the Form 10-KSB filed March 31, 2006, and incorporated&#xa0;herein by reference).</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">3.2</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448807000601/pdsdef14c.htm" style="-sec-extract:exhibit;">Amendment to the Amended and Restated Articles of Incorporation (included&#xa0;as exhibit A to the Schedule 14C filed April 18, 2007, and&#xa0;incorporated herein by reference).</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">3.3</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000117184315004010/exh_31.htm" style="-sec-extract:exhibit;">Certificate of Change Filed Pursuant to NRS 78.209 (included&#xa0;as exhibit 3.1 to the Form 8-K filed July 23, 2015, and incorporated herein&#xa0;by reference).</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803419000029/pydsnvcertofamendmentnam.htm" style="-sec-extract:exhibit;">Certificate&#xa0;of Amendment of Restated Articles of Incorporation of Usio, Inc., as amended, effective June 26, 2019 (included&#xa0;as exhibit 3.1&#xa0;to the Form 8-K filed July 1, 2019, and incorporated herein by reference).</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">3.5</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000123174206000226/ex32.txt" style="-sec-extract:exhibit;">Amended and Restated By-laws (included&#xa0;as exhibit 3.2 to the Form 10-KSB filed March 31, 2006, and incorporated herein by&#xa0;reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">3.6</td>
			<td style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448807000601/pdsdef14c.htm" style="-sec-extract:exhibit;">Amendment to the Amended and Restated By-laws (included as exhibit A to Schedule 14C filed April18,2007, and incorporated herein by reference).</a></td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">&#xa0;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">4.1</td>
			<td style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;"><a href="ex_502228.htm" style="-sec-extract:exhibit;">Description of Securities&#xa0;(filed herewith).</a></td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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		<tr>
			<td colspan="1" style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">10.1*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448807000249/ex102.htm" style="-sec-extract:exhibit;">Employment Agreement between the Company and Louis A. Hoch, dated February 27, 2007 (included&#xa0;as exhibit 10.2 to the Form 8-K&#xa0;filed March 2, 2007, and incorporated herein by reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">10.2*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000114420409059790/v166381_ex10-16.htm" style="-sec-extract:exhibit;">First Amendment to Employment Agreement between the Company and Louis A. Hoch, dated November 12, 2009 (included&#xa0;as exhibit&#xa0;10.16 to the Form 10-Q filed November 16, 2009, and incorporated herein by reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">10.3*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000111650210000315/pyds_ex1017.htm" style="-sec-extract:exhibit;">Second Amendment to Employment Agreement between the Company and Louis A. Hoch, dated April 12, 2010 (included&#xa0;as exhibit&#xa0;10.17 to the Form 10-K filed April 15, 2010, and incorporated herein by reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">10.4</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448812001665/pyds_ex1018.htm" style="-sec-extract:exhibit;">Bank Sponsorship Agreement between the Company and University National Bank, dated August 29, 2011 (included&#xa0;as exhibit 10.18 to&#xa0;the Form 10-K filed April 3, 2012, and incorporated herein by reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:2pt;margin-right:0pt;margin-top:0pt;text-align:left;">10.5*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448812001665/pyds_ex1020.htm" style="-sec-extract:exhibit;">Third Amendment to Employment Agreement between the Company and Louis A. Hoch, dated January 14, 2011 (included&#xa0;as exhibit&#xa0;10.20 to the Form 10-K filed April 3, 2012, and incorporated herein by reference).</a></div>
			</td>
		</tr>

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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.6*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448812004370/pyds_ex1019.htm" style="-sec-extract:exhibit;">Fourth Amendment to Employment Agreement between the Company and Louis A. Hoch, dated July 2, 2012 (included&#xa0;as exhibit 10.19&#xa0;to the Form 10-Q filed August 20, 2012, and incorporated herein by reference).</a></div>
			</td>
		</tr>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.7</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448815001406/pyds_ex1026.htm" style="-sec-extract:exhibit;">Bank Sponsorship Agreement between the Company and Metropolitan Commercial Bank, dated December 11, 2014 (included&#xa0;as exhibit&#xa0;10.26 to the Form 10-K filed March 30, 2015, and incorporated herein by reference).</a></div>
			</td>
		</tr>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.8*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000117184316011644/exh_102.htm" style="-sec-extract:exhibit;">Fifth Amendment to Employment Agreement between the Company and Louis A. Hoch, dated August 3, 2016 (included&#xa0;as exhibit 10.2&#xa0;to the Form 8-K filed August 9, 2016, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.9*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000117184316012154/exh_102.htm" style="-sec-extract:exhibit;">Sixth Amendment to Employment Agreement between the Company and Louis A. Hoch, dated September 8, 2016 (included&#xa0;as exhibit&#xa0;10.2 to the Form 8-K filed September 14, 2016, and incorporated herein by reference).</a></div>
			</td>
		</tr>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.10*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000117184317000129/exh_101.htm" style="-sec-extract:exhibit;">Employment Agreement between the Company and Tom Jewell, dated January 6, 2017 (included&#xa0;as exhibit 10.1 to the Form 8-K filed&#xa0;January 6, 2017, and incorporated herein by reference).</a></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; border-bottom: 1px none rgb(0, 0, 0); width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
		</tr>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.11*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000117184317002996/exh_101.htm" style="-sec-extract:exhibit;">Independent Director Agreement between the Company and Brad Rollins, dated May 5, 2017 (included&#xa0;as exhibit 10.1 to the Form 8-K,&#xa0;filed May 11, 2017, and incorporated herein by reference).</a></div>
			</td>
		</tr>

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9
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<div class="hf-cell TOCLink" style="display: inline-block; text-align: left;"><a href="#toc" style="font-weight: initial; font-style: initial; font-variant: initial; font-family: &quot;Times New Roman&quot;; font-size: 10pt;">Table of Contents</a></div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.12*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803417000026/pyds_firstamendmenttoemplo.htm" style="-sec-extract:exhibit;">First Amendment to Employment Agreement between the Company and Tom Jewell, dated November 27, 2017 (included&#xa0;as exhibit 10.1&#xa0;to the Form 8-K, filed November 28, 2017, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.13</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803418000004/pydsexecutedlease3611pae.htm" style="-sec-extract:exhibit;">Lease Agreement between the Company and Blauners Paesanos Parkway LP, dated February 9, 2018 (included&#xa0;as exhibit 10.43 to the&#xa0;Form 10-K filed March 30, 2018, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.14</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803418000004/ex1044singularpaymentsleas.htm" style="-sec-extract:exhibit;">Lease Agreement between the Company and RP Circle 1 Building, LLC, dated December 11, 2017 (included&#xa0;as exhibit 10.44 to the&#xa0;Form 10-K filed March 30, 2018, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.15*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803418000026/secondamendmenttoemploymen.htm" style="-sec-extract:exhibit;">Second Amendment to Employment Agreement between the Company and Tom Jewell, dated November 28, 2018 (included&#xa0;as exhibit&#xa0;10.1 go the Form 8-K filed November 28, 2018, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">10.16*</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000108803419000014/pyds-blaisebenderindepende.htm" style="-sec-extract:exhibit;">Independent Director Agreement between the Company and Blaise Bender, dated April 1, 2019 (included&#xa0;as exhibit 10.2 to the Form 8-K&#xa0;filed April 3, 2019, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.17*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000135448815002872/pyds_def14a.htm" style="-sec-extract:exhibit;">2015 Equity Incentive Plan (included as Appendix B to the Definitive Proxy Statement on Schedule 14A filed on June 5, 2015 and incorporated herein by reference)&#xa0;</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.18</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="margin: 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774920023604/ex_213355.htm" style="-sec-extract:exhibit;">Warrant Agreement between the Company and University FanCards, LLC dated August 21, 2018 (included as exhibit 10.41 to the form 10-Q filed on November 12, 2020, and incorporated by reference)</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.19*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774920019020/ex_201995.htm" style="-sec-extract:exhibit;">Independent Director Agreement dated August 29,2020, by and between the Company and Ernesto Beyer (included as exhibit 10.1 to the Form 8-K filed on August 31, 2020, and incorporated by reference)</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.20*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774920021830/ex_209306.htm" style="-sec-extract:exhibit;">Third Amendment to the Employment Agreement between the Company and Tom Jewell, effective October 12, 2020 (included as exhibit 10.1 to the Form 8-K filed on October 28, 2020, and incorporated herein by reference)</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.21+</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774920025634/ex_218149.htm" style="-sec-extract:exhibit;">Asset Purchase Agreement between the Company and Information Management Solutions, LLC dated December 15, 2020 (included as exhibit 10.2 to the Form 8-K filed on December 18, 2020, and incorporated herein by reference)</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.22+</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774920025634/ex_218150.htm" style="-sec-extract:exhibit;">Warrant Agreement between the Company and Information Management Solutions, LLC dated December 15, 2020,&#xa0; (included as exhibit 10.2 to the Form 8-K filed on December 18, 2020, and incorporated herein by reference)</a></td>
		</tr>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
			</td>
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			<td style="vertical-align: top; width: 11%;">10.23</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237895.htm" style="-sec-extract:exhibit;">Lease agreement between Information Management Systems, LLC and Industrial Properties Corp. dated June 16, 2011 (included as exhibit 10.40 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.24</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237896.htm" style="-sec-extract:exhibit;">First amendment to lease between Information Management Systems, LLC and Industrial Properties Corp. dated April 4, 2013 (included as exhibit 10.41 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.25</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237897.htm" style="-sec-extract:exhibit;">Second amendment to lease between Information Management Systems, LLC and Industrial Properties Corp. dated March 5, 2018 (included as exhibit 10.42 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.26</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237898.htm" style="-sec-extract:exhibit;">Third amendment to lease between the Company as successor to Information Management Systems, LLC and ICON IPC TX Property Owner Pool 6 West/Southwest, LLC, dated December 22, 2020 (included as exhibit 10.43 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.27</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237899.htm" style="-sec-extract:exhibit;">Lease agreement between the Company and Smartyfi, LLC for Austin offices dated January 1, 2021 (included as exhibit 10.44 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.28</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921007524/ex_237900.htm" style="-sec-extract:exhibit;">First amendment to lease between the Company and Paesanos Office Building, LLC for San Antonio offices dated March 15, 2021 (included as exhibit 10.45 to the Form 10-K filed on March 30, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.29*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921009489/ex_242426.htm" style="-sec-extract:exhibit;">Seventh Amendment to Employment Agreement between the Company and Louis A. Hoch, dated April 18, 2021 (included as exhibit 10.1 to the Form 8-K filed on April 21, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.30*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921009489/ex_242427.htm" style="-sec-extract:exhibit;">Fourth Amendment to Employment Agreement between the Company and Tom Jewell, dated April 18, 2021 (included as exhibit 10.2 to the Form 8-K filed on April 21, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.31</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921026146/ex_304888.htm" style="-sec-extract:exhibit;">Second Amendment to Lease agreement between the Company and Paesanos Office Building, LLC for San Antonio offices, dated October 19, 2021 (included as exhibit 10.43 to the Form 10-Q filed on November 10, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.32</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921027312/ex_310507.htm" style="-sec-extract:exhibit;">Securities Purchase Agreement between the Company and Voyager Digital Holdings, Inc. dated November 19, 2021 (included as exhibit 10.1 to the Form 8-K filed on November 23, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.33*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774921027312/ex_310508.htm" style="-sec-extract:exhibit;">Fifth Amendment to the Employment Agreement between the Company and Tom Jewell, dated November 22, 2021 (included as exhibit 10.2 to the Form 8-K filed on November 23, 2021, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.34*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774922015548/ex_388256.htm" style="-sec-extract:exhibit;">Independent Director Agreement dated August 29, 2020, by and between the Company and Ernesto Beyer (included as exhibit 10.1 to the Form 8-K filed on June 22, 2022, and incorporated herein by reference).</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">10.35*</td>
			<td colspan="1" style="vertical-align: top; width: 89%;"><a href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1088034/000143774923003962/usio20230221_8k.htm" style="-sec-extract:exhibit;">Employment Agreement Dated February 17, 2023 between Usio Inc and Greg Carter, the Company's Executive Vice President of Payment Acceptance</a></td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<td style="vertical-align: top; width: 11%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">14.1</div>
			</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000118811204000443/tex14_1-2059b.txt" style="-sec-extract:exhibit;">Code of Ethics (included&#xa0;as exhibit 14.1 to the Form 10-Q filed August 14, 2015, and incorporated herein by reference).</a></div>
			</td>
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			<td style="vertical-align: top; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: top; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">21.1</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="ex_502229.htm" style="-sec-extract:exhibit;">Subsidiaries of the Company (filed&#xa0;herewith).</a></div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">23.1</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774923005794/ex_360881.htm" style="-sec-extract:exhibit;">Consent of ADKF, P.C. (<span style="text-decoration: underline;">Incorporated by reference to Exhibit 23.1 to the Company's Annual Report on Form 10-K, filed on March 8, 202</span>3).</a></div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">31.1</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="ex_502231.htm" style="-sec-extract:exhibit;">Certification of the Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (filed&#xa0;herewith).</a></div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">31.2</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="ex_502232.htm" style="-sec-extract:exhibit;">Certification of the Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (filed&#xa0;herewith).</a></div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">32.1</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="http://www.sec.gov/Archives/edgar/data/1088034/000143774923005794/ex_360884.htm" style="-sec-extract:exhibit;">Certification of the Chief Executive Officer and the /Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to&#xa0;Section 906 of the Sarbanes-Oxley Act of 2002 (<span style="text-decoration: underline;">Incorporated by reference to Exhibit 32.1 to the Company's Annual Report on Form 10-K, filed on March 8, 202</span>3).</a></div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#xa0;</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.INS</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Instance Document (filed herewith).</div>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.SCH</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Taxonomy Extension Schema Document (filed herewith).</div>
			</td>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.CAL</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Taxonomy Extension Calculation Linkbase Document (filed herewith).</div>
			</td>
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			<td style="vertical-align: bottom; width: 11%;">&#xa0;</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">&#xa0;</td>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.DEF</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Taxonomy Extension Definition Linkbase Document (filed herewith).</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.LAB</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Taxonomy Extension Label Linkbase Document (filed herewith).</div>
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			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">101.PRE</div>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">
			<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Inline XBRL Taxonomy Presentation Linkbase Document (filed herewith).</div>
			</td>
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			<td style="vertical-align: bottom; width: 11%;">104</td>
			<td colspan="1" style="vertical-align: bottom; width: 89%;">Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)</td>
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			<td style="vertical-align:top;">Confidential treatment has been granted for portions of this agreement.</td>
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			<td style="width:62pt;vertical-align:top;">+</td>
			<td style="vertical-align:top;">The schedules to the exhibit have been omitted from this filing pursuant to Item 601(a)(5) of Regulation S-K. The Company will furnish copies of any such schedules to the SEC upon request.</td>
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			<td style="width:62pt;vertical-align:top;">*</td>
			<td style="vertical-align:top;">Management Compensatory Plan or Arrangement&#xa0;</td>
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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Copies of the above exhibits not contained herein are available to any stockholder, upon written request to: Chief Financial Officer, Usio, Inc., 3611 Paesanos Parkway, Suite 300, San Antonio, TX 78231.</div>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>ITEM 16. FORM 10-K SUMMARY</b></div>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">None.</div>

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<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><i><b>SIGNATURES</b></i></div>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</div>

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			<div style="margin: 0px 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Usio, Inc.</b></div>
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			<div style="margin: 0px 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">Date: May 1, 2023</div>
			</td>
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			<div style="margin: 0px 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><span style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">By: </span></div>
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			<div style="margin: 0px 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><span style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">/s/&#xa0;</span>Louis A. Hoch</div>
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			<div style="margin: 0pt 0pt 0pt 36pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">Louis A. Hoch</div>

			<div style="margin: 0pt 0pt 0pt 36pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">Chief Executive Officer</div>

			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt 0pt 0pt 36pt; text-align: left;">(Principal Executive Officer)</div>
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			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; width: 35px;" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; width: 458px;" valign="top">/s/ Tom Jewell</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; width: 35px;" valign="top">&#xa0;</td>
			<td style="width: 35%; width: 458px;" valign="top">
			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt 0pt 0pt 9pt; text-align: left;">Tom Jewell</div>

			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt 0pt 0pt 9pt; text-align: left; text-indent: 0pt;">Chief Financial Officer</div>

			<div style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt 0pt 0pt 9pt; text-align: left;">(Principal Financial and Accounting Officer)</div>
			</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
		</tr>

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<div style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:5pt;margin-top:0pt;text-align:left;">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.</div>

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			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; background-color: rgb(255, 255, 255);" valign="top">/s/ Tom Jewell</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Tom Jewell</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Chief Financial Officer</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">(Principal Financial and Accounting Officer)</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; background-color: rgb(255, 255, 255);" valign="top">/s/ Louis A. Hoch</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">
			<div style="margin: 0pt 0pt 0pt 36pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: left; vertical-align: top;">Louis A. Hoch</div>

			<div style="margin: 0pt 0pt 0pt 36pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: left; vertical-align: top;">President, Chief Executive Officer, and Director (Principal Executive Officer)</div>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; background-color: rgb(255, 255, 255);" valign="top">/s/ Blaise Bender</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Blaise Bender</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Director</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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		<tr>
			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; background-color: rgb(255, 255, 255);" valign="top">/s/ Ernesto Beyer</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Ernesto Beyer</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Director</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255); border-bottom: 1px solid rgb(0, 0, 0);" valign="top">/s/ Bradley Rollins</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">Bradley Rollins</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">Director</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
		</tr>
		<tr>
			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td style="width: 35%; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
		</tr>
		<tr>
			<td valign="top" style="width: 50%; ">Date: May 1, 2023</td>
			<td style="width: 3%; background-color: rgb(255, 255, 255);" valign="top">By:</td>
			<td style="width: 35%; border-bottom: 1px solid black; background-color: rgb(255, 255, 255);" valign="top">/s/ Michelle Miller</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
		</tr>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" rowspan="1" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Michelle Miller</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">Director</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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		<tr>
			<td valign="top" style="width: 50%; ">&#xa0;</td>
			<td colspan="2" style="width: 3%; padding-left: 36pt; background-color: rgb(255, 255, 255);" valign="top">&#xa0;</td>
			<td valign="top" style="width: 12%; ">&#xa0;</td>
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<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>2
<FILENAME>ex_502228.htm
<DESCRIPTION>EXHIBIT 4.1
<TEXT>
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<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt"><b>Exhibit 4.1</b></font></p>

<p style="font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; margin: 0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>DESCRIPTION OF SECURITIES</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Our amended and restated articles of incorporation authorize us to issue 200,000,000 shares of common stock, par value $0.001 per share and 10,000,000 shares of preferred stock, par value $0,001 per share. As of April 27, 2023, we had 26,536,638 shares of common stock and no shares of preferred stock outstanding.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Common Stock</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The following description of our common stock, may not be complete and is subject to, and qualified in its entirety by reference to, Nevada law and the actual terms and provisions contained in our amended and restated articles of incorporation and our bylaws, each as amended from time to time.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Voting Rights:</i></b>&nbsp;Each outstanding share of our common stock is entitled to one vote per share of record on all matters submitted to a vote of stockholders and to vote together as a single class for the election of directors and in respect of other corporate matters. At a meeting of stockholders at which a quorum is present, for all matters other than the election of directors, an affirmative vote of the majority of shares entitled to vote on a matter and that are represented either in person or by proxy at a meeting of stockholders decides all questions, unless the matter is one upon which a different vote is required by express provision of law or our amended and restated articles incorporation or our bylaws. Directors will be elected by a plurality of the votes of the shares present at a meeting. Holders of shares of common stock do not have cumulative voting rights with respect to the election of directors or any other matter.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><i>Dividends</i></b><b>:</b>&nbsp;Holders of our common stock are entitled to receive dividends or other distributions when, as and if declared by our board of directors. The right of our board of directors to declare dividends, however, is subject to any rights of the holders of other classes of our capital stock, any indebtedness outstanding from time to time and the availability of sufficient funds, as determined under Nevada law, to pay dividends.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Preemptive Rights</i></b><b>:</b>&nbsp;The holders of our common stock do not have preemptive rights to purchase or subscribe for any of our capital stock or other securities</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Redemption</i></b><b>:</b>&nbsp;Shares of our common stock are not subject to redemption by operation of a sinking fund or otherwise.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Liquidation Rights</i></b><b>:</b>&nbsp;In the event of any liquidation, dissolution, or winding up of our company, subject to the rights, if any, of the holders of other classes of our capital stock, the holders of shares of our common stock are entitled to receive any of our assets available for distribution to our stockholders ratably in proportion to the number of shares held by them.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Listing:</i></b>&nbsp;Our common stock is traded on the Nasdaq Capital Market under the symbol &#8220;USIO.&#8221;&nbsp;</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><i>Transfer Agent and Registrar:</i></b>&nbsp;The transfer agent and registrar for our common stock is American Stock Transfer &amp; Trust Company, LLC, 6201 15th Avenue, Brooklyn, NY 11219, telephone (718) 921-8200.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Preferred Stock</b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Under our amended and restated articles of incorporation, as amended, we have the authority to issue 10,000,000 shares of preferred stock, par value $0.01 per share, which are issuable in series on terms to be determined by our board of directors. Accordingly, our board of directors is authorized, without action by the stockholders, to issue preferred stock from time to time with such dividend, liquidation, conversion, voting, redemption, sinking fund and other rights and restrictions as it may determine. All shares of any one series of our preferred stock will be identical, except that shares of any one series issued at different times may differ as to the dates from which dividends may be cumulative. The Board may determine:</p>

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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the distinctive designation of each series and the number of shares that will constitute the series;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the voting rights, if any, of shares of the series and the terms and conditions of the voting rights;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the dividend rate on the shares of the series, the dates on which dividends are payable, any restriction, limitation or condition upon the payment of dividends, whether dividends will be cumulative, and the dates from and after which dividends shall accumulate;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the prices at which, and the terms and conditions on which, the shares of the series may be redeemed, if the shares are redeemable;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the terms and conditions of a sinking or purchase fund for the purchase or redemption of shares of the series, if such a fund is provided;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">any preferential amount payable upon shares of the series in the event of the liquidation, dissolution or winding up of, or upon the distribution of any of our assets;&nbsp;and</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the prices or rates of conversion or exchange at which, and the terms and conditions on which, the shares of the series may be converted or exchanged into other securities, if the shares are convertible or exchangeable.</p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">If our board of directors decides to issue any shares of preferred stock, it may discourage or make more difficult a merger, tender offer, business combination or proxy contest, assumption of control by a holder of a large block of our securities, or the removal of incumbent management, even if these events were favorable to the interests of stockholders. Our board of directors, without stockholder approval, may issue preferred stock with voting and conversion rights and dividend and liquidation preferences that may adversely affect the holders of our other equity or debt securities.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Certain Provisions of</b>&nbsp;<b>Nevada</b>&nbsp;<b>Law And Our Charter And Bylaws</b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The following paragraphs summarize certain provisions of Nevada law and our restated articles of incorporation, as amended, and our amended and restated bylaws, as amended. The summary does not purport to be complete and is subject to and qualified in its entirety by reference to Nevada law and to our restated certificate of incorporation, as amended, and our amended and restated bylaws, as amended, copies of which are on file with the SEC as exhibits to reports previously filed by us.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><i>General</i></b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Certain provisions of our amended and restated articles of incorporation, as amended, and our amended and restated bylaws and Nevada law could make our acquisition by a third party, a change in our incumbent management, or a similar change in control more difficult, including:</p>

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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">An acquisition of us by means of a tender or exchange offer;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">An acquisition of us by means of a proxy contest or otherwise; or</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The removal of a majority or all of our incumbent officers and directors.</p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">These provisions, which are summarized below, are likely to discourage certain types of coercive takeover practices and inadequate takeover bids. These provisions are also designed to encourage persons seeking to acquire control of us to first negotiate with our board of directors. We believe that these provisions help to protect our potential ability to negotiate with the proponent of an unfriendly or unsolicited proposal to acquire or restructure us, and that this benefit outweighs the potential disadvantages of discouraging such a proposal because our ability to negotiate with the proponent could result in an improvement of the terms of the proposal. The existence of these provisions which are described below could limit the price that investors might otherwise pay in the future for our securities.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><i>Articles of Incorporation and Bylaws</i></b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Authorized But Unissued Capital Stock.</i>&nbsp;We have shares of common stock and preferred stock available for future issuance without stockholder approval, subject to any limitations imposed by the listing standards of any securities exchange on which our stock may be listed. We may utilize these additional shares for a variety of corporate purposes, including for future public offerings to raise additional capital or facilitate corporate acquisitions or for payment as a dividend on our capital stock. The existence of unissued and unreserved common stock and preferred stock may enable our board of directors to issue shares to persons friendly to current management or to issue preferred stock with terms that could have the effect of making it more difficult for a third party to acquire, or could discourage a third party from seeking to acquire, a controlling interest in our company by means of a merger, tender offer, proxy contest, or otherwise. In addition, if we issue preferred stock, the issuance could adversely affect the voting power of holders of common stock and the likelihood that such holders will receive dividend payments and payments upon liquidation.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Blank Check Preferred Stock</i>. Our board of directors, without stockholder approval, has the authority under our amended and restated articles of incorporation, as amended, to issue preferred stock with rights superior to the rights of the holders of common stock. As a result, preferred stock could be issued quickly and easily, could impair the rights of holders of common stock, and could be issued with terms calculated to delay or prevent a change in control or make removal of management more difficult.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Election of Directors</i>. Our amended and restated bylaws provide that a majority of directors then in office may fill any vacancy occurring on our board of directors, even though less than a quorum may then be in office. These provisions may discourage a third party from voting to remove incumbent directors and simultaneously gaining control of our board of directors by filling the vacancies created by that removal with its own nominees.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Removal of Director</i>s<i>.</i>&nbsp;A director may be removed from office only by the affirmative vote of two-thirds or more of the combined voting power of the then issued and outstanding shares of our capital stock entitled to vote in the election of directors, voting together as a single class.&nbsp;</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><i>Anti-takeover Effects of Nevada Law</i></b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Business Combinations with Interested Stockholders</i></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The &#8220;business combination with interested stockholders&#8221; provisions of Sections 78.411 to 78.444, inclusive, of the Nevada Revised Statutes, or NRS, generally prohibit a Nevada corporation with at least 200 stockholders of record from engaging in various &#8220;combination&#8221; transactions with any interested stockholder for a period of two years after&nbsp;the date of the transaction in which the person became an interested stockholder, unless the combination is approved by our board of directors prior to the date the interested stockholder obtained such status or the combination is approved by our board of directors and at such time or thereafter is approved at a meeting of the stockholders by the affirmative vote of stockholders representing at least 60% of the outstanding voting power held by disinterested stockholders, and extends beyond the expiration of the two-year period, unless:</p>

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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">the combination was approved by our board of directors prior to the person becoming an interested stockholder or the transaction by which the person first became an interested stockholder was approved by our board of directors before the person became an interested stockholder or the combination is later approved by a majority of the voting power held by disinterested stockholders; or</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">if the consideration to be paid by the interested stockholder is at least equal to the highest of: (a) the highest price per share paid by the interested stockholder within the two years immediately preceding the date of the announcement of the combination or in the transaction in which it became an interested stockholder, whichever is higher; (b) the market value per share of common stock on the date of announcement of the combination and the date the interested stockholder acquired the shares, whichever is higher; or (c) for holders of preferred stock, the highest liquidation value of the preferred stock, if it is higher.</p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Notwithstanding the foregoing, NRS 78.411 to 78.444, inclusive, do not apply to any combination of a resident domestic corporation with an interested stockholder after the expiration of four years after the person first became an interested stockholder.</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">A &#8220;combination&#8221; is generally defined to include mergers or consolidations or any sale, lease exchange, mortgage, pledge, transfer, or other disposition, in one transaction or a series of transactions, with an &#8220;interested stockholder&#8221; having: (a) an aggregate market value equal to more than 5% of the aggregate market value of the assets of the corporation, (b) an aggregate market value equal to more than 5% of the aggregate market value of all outstanding voting shares of the corporation, (c) more than 10% of the earning power or net income of the corporation, and (d) certain other transactions with an interested stockholder or an affiliate or associate of an interested stockholder.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">In general, an &#8220;interested stockholder&#8221; is a person who, together with affiliates and associates, owns (or within two years, did own) 10% or more of a corporation&#8217;s voting stock. The statute could prohibit or delay mergers or other takeover or change in control attempts and, accordingly, may discourage attempts to acquire our company even though such a transaction may offer our stockholders the opportunity to sell their stock at a price above the prevailing market price.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">A Nevada corporation may &#8220;opt out&#8221; of these provisions either with an express provision in its original articles of incorporation or in an amendment to its articles of incorporation or bylaws approved by its stockholders. However, we have not opted out, and do not currently intend to opt out of, these provisions. The statute could prohibit or delay mergers or other takeover or change in control attempts and, accordingly, may discourage attempts to acquire us.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Control Share Acquisitions</i></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The &#8220;control share&#8221; provisions of Sections 78.378 to 78.3793, inclusive, of the NRS apply to &#8220;issuing corporations&#8221; that are Nevada corporations with at least 200 stockholders of record, including at least 100 stockholders of record who are Nevada residents, and that conduct business directly or indirectly in Nevada. The control share statute prohibits an acquirer, under certain circumstances, from voting its shares of a target corporation&#8217;s stock after crossing certain ownership threshold percentages, unless the acquirer obtains approval of the target corporation&#8217;s disinterested stockholders. The statute specifies three thresholds: one-fifth or more but less than one-third, one-third but less than a majority, and a majority or more, of the outstanding voting power. Generally, once an acquirer crosses one of the above thresholds, those shares in an offer or acquisition and acquired within 90 days thereof become &#8220;control shares&#8221; and such control shares are deprived of the right to vote until disinterested stockholders restore the right. These provisions also provide that if control shares are accorded full voting rights and the acquiring person has acquired a majority or more of all voting power, all other stockholders who do not vote in favor of authorizing voting rights to the control shares are entitled to demand payment for the fair value of their shares in accordance with statutory procedures established for dissenters&#8217; rights.&nbsp;&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">A corporation may elect to not be governed by, or &#8220;opt out&#8221; of, the control share provisions by making an election in its articles of incorporation or bylaws, provided that the opt-out election must be in place on the 10th day following the date an acquiring person has acquired a controlling interest, that is, crossing any of the three thresholds described above. We have not opted out of the control share statutes, and will be subject to these statutes if we are an &#8220;issuing corporation&#8221; as defined in such statutes.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The effect of the Nevada control share statutes is that the acquiring person, and those acting in association with the acquiring person, will obtain only such voting rights in the control shares as are conferred by a resolution of the stockholders at an annual or special meeting. The Nevada control share law, if applicable, could have the effect of discouraging takeovers of our company.&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

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<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>3
<FILENAME>ex_502229.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
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<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:right;"><b>EXHIBIT 21.1</b></p>

<p style="margin: 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</p>

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			<td colspan="1" style="vertical-align:bottom;width:65%;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Usio, Inc.</b></p>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align:bottom;width:65%;">&nbsp;</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align:bottom;width:65%;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Subsidiaries of the Registrant</b></p>
			</td>
		</tr>

</table>

<p style="margin: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">&nbsp;</p>

<p style="margin: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">&nbsp;</p>

<p style="margin: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">&nbsp;</p>

<table cellpadding="0pt" cellspacing="0pt" style="margin-left: 0pt; width: 63.9%; text-indent: 0px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">

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			<td style="vertical-align: bottom; border-bottom: 1px solid rgb(0, 0, 0); width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Subsidiary Legal Name</p>
			</td>
			<td style="vertical-align: bottom; border-bottom: 1px solid rgb(0, 0, 0); width: 46.1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">Jurisdiction of Incorporation</p>
			</td>
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			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">FiCentive, Inc.</p>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">Nevada</p>
			</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">ZBILL, Inc.</p>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">Nevada</p>
			</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 35%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Usio Output Solutions, Inc.</p>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 65%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">Nevada</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

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<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>ex_502231.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: right;"><b>EXHIBIT 31.1</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>CERTIFICATION PURSUANT TO</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>(18 U.S.C. SECTION 1350)</b></p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">I, Louis A. Hoch, certify that:</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">1.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">I have reviewed this Amendment to the Annual Report on Form 10-K&nbsp;of Usio, Inc. for the year ended December 31, 2022;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">2.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">3.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">4.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">As the registrant&#8217;s certifying officer, I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">a.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period in which this report is being prepared;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">b.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">c.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report my conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">d.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">5.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">As the registrant&#8217;s certifying officer, I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">a.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information; and</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">b.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td valign="top" width="50%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">Date: May 1, 2023</p>
			</td>
			<td colspan="2" valign="top" width="38%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
			</td>
			<td valign="top" width="12%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
			</td>
		</tr>
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			<td valign="top" width="50%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
			</td>
			<td valign="top" width="3%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
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			<td style="text-align: left" valign="top" width="3%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">By: </font></p>
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			<td align="left" nowrap="nowrap" valign="top" width="35%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><u><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">/s/&nbsp;</font>Louis A. Hoch</u></p>
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			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
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			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
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			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">Louis A. Hoch</p>
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			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
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			<td valign="top" width="3%">
			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt">&nbsp;</font></p>
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			<p style="margin-top: 0; margin-bottom: 0; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt">Chief Executive Officer</p>

			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">(Principal Executive Officer)</p>
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<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>ex_502232.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<html><head>
	<title>ex_502232.htm</title>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: right;"><b>EXHIBIT 31.2</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:right;">&nbsp;</p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>CERTIFICATION PURSUANT TO</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002</b></p>

<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt 7.2pt;text-align:center;"><b>(18 U.S.C. SECTION 1350)</b></p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">I, Tom Jewell, certify that:</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">1.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">I have reviewed this Amendment to the Annual Report on Form 10-K of Usio, Inc. for the year ended December 31, 2022;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">2.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</p>
			</td>
		</tr>

</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

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			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">3.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</p>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

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			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">4.</p>
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			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">As the registrant&#8217;s certifying officer, I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</p>
			</td>
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</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">a.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period in which this report is being prepared;</p>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">b.</p>
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			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</p>
			</td>
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</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">c.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report my conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</p>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">d.</p>
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			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:justify;margin-bottom:0pt;font-size:10pt;">Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</p>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.95pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">5.</p>
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			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.95pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">As the registrant&#8217;s certifying officer, I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</p>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">a.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information; and</p>
			</td>
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</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 36pt;">
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">b.</p>
			</td>
			<td>
			<p style="font-family:'Times New Roman', Times, serif;margin-right:7.2pt;margin-top:0pt;text-align:left;margin-bottom:0pt;font-size:10pt;">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</p>
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</table>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: left;">Date: May 1, 2023</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt;">&nbsp;</p>

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			<td style="vertical-align: bottom; width: 50%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td style="vertical-align: bottom; width: 3%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">By:</p>
			</td>
			<td colspan="1" style="vertical-align: bottom; width: 47%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;"><u>/s/ Tom Jewell</u></p>
			</td>
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			<td style="vertical-align: bottom; width: 50%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td style="vertical-align: bottom; width: 3%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td style="vertical-align: bottom; border-bottom: 1px rgb(0, 0, 0); width: 47%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Tom Jewell</p>
			</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 50%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td style="vertical-align: bottom; width: 3%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 47%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">Chief Financial Officer</p>
			</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 50%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td style="vertical-align: bottom; width: 3%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="1" style="vertical-align: bottom; width: 47%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family:'Times New Roman', Times, serif;font-size:10pt;margin:0pt;text-align:left;">(Principal Financial and Accounting Officer)</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</p>

<p style="margin: 0pt; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</p>

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<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="usio-20221231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="usio-20221231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="usio-20221231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
<link:roleType id="statement-document-and-entity-information" roleURI="http://www.usio.com/20221231/role/statement-document-and-entity-information">
<link:definition xmlns="http://www.xbrl.org/2003/linkbase">000 - Document - Document And Entity Information</link:definition>
<link:usedOn>link:calculationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:presentationLink</link:usedOn>
</link:roleType>
</xsd:appinfo>
</xsd:annotation>
<xsd:element abstract="true" id="usio_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>7
<FILENAME>usio-20221231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 5/1/2023 8:03:50 PM-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" xlink:type="simple"/>
<link:roleRef roleURI="http://www.usio.com/20221231/role/statement-document-and-entity-information" xlink:href="usio-20221231.xsd#statement-document-and-entity-information" xlink:type="simple"/>
<link:definitionLink xlink:role="http://www.usio.com/20221231/role/statement-document-and-entity-information" xlink:type="extended">
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain-default" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="dei_IcfrAuditorAttestationFlag" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="dei_AuditorFirmId" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="dei_AuditorName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="dei_AuditorLocation" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
<link:definitionArc order="0" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="dei_LegalEntityAxis" xlink:to="dei_EntityDomain" xlink:type="arc"/>
<link:definitionArc order="1" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="dei_LegalEntityAxis" xlink:to="dei_EntityDomain-default" xlink:type="arc"/>

<link:definitionArc order="0" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="dei_DocumentInformationTable" xlink:to="dei_LegalEntityAxis" xlink:type="arc"/>


<link:definitionArc order="0" xbrldt:closed="true" xbrldt:contextElement="segment" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationTable" xlink:type="arc"/>
<link:definitionArc order="1" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentType" xlink:type="arc"/>
<link:definitionArc order="2" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentAnnualReport" xlink:type="arc"/>
<link:definitionArc order="3" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" xlink:type="arc"/>
<link:definitionArc order="4" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CurrentFiscalYearEndDate" xlink:type="arc"/>
<link:definitionArc order="5" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:type="arc"/>
<link:definitionArc order="6" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentFiscalYearFocus" xlink:type="arc"/>
<link:definitionArc order="7" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentTransitionReport" xlink:type="arc"/>
<link:definitionArc order="8" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFileNumber" xlink:type="arc"/>
<link:definitionArc order="9" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityRegistrantName" xlink:type="arc"/>
<link:definitionArc order="10" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:type="arc"/>
<link:definitionArc order="11" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" xlink:type="arc"/>
<link:definitionArc order="12" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" xlink:type="arc"/>
<link:definitionArc order="13" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" xlink:type="arc"/>
<link:definitionArc order="14" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" xlink:type="arc"/>
<link:definitionArc order="15" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" xlink:type="arc"/>
<link:definitionArc order="16" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CityAreaCode" xlink:type="arc"/>
<link:definitionArc order="17" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_LocalPhoneNumber" xlink:type="arc"/>
<link:definitionArc order="18" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_Security12bTitle" xlink:type="arc"/>
<link:definitionArc order="19" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_TradingSymbol" xlink:type="arc"/>
<link:definitionArc order="20" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SecurityExchangeName" xlink:type="arc"/>
<link:definitionArc order="21" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityWellKnownSeasonedIssuer" xlink:type="arc"/>
<link:definitionArc order="22" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityVoluntaryFilers" xlink:type="arc"/>
<link:definitionArc order="23" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCurrentReportingStatus" xlink:type="arc"/>
<link:definitionArc order="24" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityInteractiveDataCurrent" xlink:type="arc"/>
<link:definitionArc order="25" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFilerCategory" xlink:type="arc"/>
<link:definitionArc order="26" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntitySmallBusiness" xlink:type="arc"/>
<link:definitionArc order="27" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" xlink:type="arc"/>
<link:definitionArc order="28" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_IcfrAuditorAttestationFlag" xlink:type="arc"/>
<link:definitionArc order="29" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityShellCompany" xlink:type="arc"/>
<link:definitionArc order="30" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityPublicFloat" xlink:type="arc"/>
<link:definitionArc order="31" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCommonStockSharesOutstanding" xlink:type="arc"/>
<link:definitionArc order="32" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AuditorFirmId" xlink:type="arc"/>
<link:definitionArc order="33" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AuditorName" xlink:type="arc"/>
<link:definitionArc order="34" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AuditorLocation" xlink:type="arc"/>
<link:definitionArc order="35" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentDescription" xlink:type="arc"/>
<link:definitionArc order="36" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentFlag" xlink:type="arc"/>
<link:definitionArc order="37" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCentralIndexKey" xlink:type="arc"/>

</link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>8
<FILENAME>usio-20221231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 5/1/2023 8:03:50 PM-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple"/>
<link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
<link:label xlink:label="dei_EntityDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
<link:label xlink:label="dei_LegalEntityAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentInformationLineItems-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationLineItems-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentInformationTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationTable-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentType-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Type</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentAnnualReport-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Annual Report</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentPeriodEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Period End Date</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xlink:type="locator"/>
<link:label xlink:label="dei_CurrentFiscalYearEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentFiscalPeriodFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Fiscal Period Focus</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentFiscalYearFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Fiscal Year Focus</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentTransitionReport-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Transition Report</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
<link:label xlink:label="dei_EntityFileNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, File Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:label xlink:label="dei_EntityRegistrantName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Registrant Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
<link:label xlink:label="dei_EntityIncorporationStateCountryCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Incorporation, State or Country Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
<link:label xlink:label="dei_EntityTaxIdentificationNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Tax Identification Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressAddressLine1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, Address Line One</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressCityOrTown-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, City or Town</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressStateOrProvince-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, State or Province</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressPostalZipCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, Postal Zip Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
<link:label xlink:label="dei_CityAreaCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
<link:label xlink:label="dei_LocalPhoneNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xlink:type="locator"/>
<link:label xlink:label="dei_Security12bTitle-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:label xlink:label="dei_TradingSymbol-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xlink:type="locator"/>
<link:label xlink:label="dei_SecurityExchangeName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" xlink:type="locator"/>
<link:label xlink:label="dei_EntityWellKnownSeasonedIssuer-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Well-known Seasoned Issuer</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" xlink:type="locator"/>
<link:label xlink:label="dei_EntityVoluntaryFilers-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Voluntary Filers</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCurrentReportingStatus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Current Reporting Status</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" xlink:type="locator"/>
<link:label xlink:label="dei_EntityInteractiveDataCurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Interactive Data, Current</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" xlink:type="locator"/>
<link:label xlink:label="dei_EntityFilerCategory-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Filer Category</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" xlink:type="locator"/>
<link:label xlink:label="dei_EntitySmallBusiness-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Small Business</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
<link:label xlink:label="dei_EntityEmergingGrowthCompany-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Emerging Growth Company</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="dei_IcfrAuditorAttestationFlag" xlink:type="locator"/>
<link:label xlink:label="dei_IcfrAuditorAttestationFlag-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_IcfrAuditorAttestationFlag" xlink:to="dei_IcfrAuditorAttestationFlag-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" xlink:type="locator"/>
<link:label xlink:label="dei_EntityShellCompany-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Shell Company</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" xlink:type="locator"/>
<link:label xlink:label="dei_EntityPublicFloat-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Public Float</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCommonStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Common Stock Shares, Outstanding</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="dei_AuditorFirmId" xlink:type="locator"/>
<link:label xlink:label="dei_AuditorFirmId-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorFirmId" xlink:to="dei_AuditorFirmId-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="dei_AuditorName" xlink:type="locator"/>
<link:label xlink:label="dei_AuditorName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorName" xlink:to="dei_AuditorName-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="dei_AuditorLocation" xlink:type="locator"/>
<link:label xlink:label="dei_AuditorLocation-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Location</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorLocation" xlink:to="dei_AuditorLocation-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" xlink:type="locator"/>
<link:label xlink:label="dei_AmendmentDescription-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Description</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
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<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
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<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="dei_AuditorFirmId" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="dei_AuditorName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="dei_AuditorLocation" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
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<TYPE>XML
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<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140062256203040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document And Entity Information - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Apr. 27, 2023</div></th>
<th class="th"><div>Jun. 30, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentAnnualReport', window );">Document, Annual Report</a></td>
<td class="text">true<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document, Period End Date</a></td>
<td class="text">Dec. 31,  2022<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document, Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document, Fiscal Year Focus</a></td>
<td class="text">2022<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentTransitionReport', window );">Document, Transition Report</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity, File Number</a></td>
<td class="text">000-30152<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity, Incorporation, State or Country Code</a></td>
<td class="text">NV<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity, Tax Identification Number</a></td>
<td class="text">98-0190072<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity, Address, Address Line One</a></td>
<td class="text">3611 Paesanos Parkway, Suite 300<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity, Address, City or Town</a></td>
<td class="text">San Antonio<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="text">TX<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity, Address, Postal Zip Code</a></td>
<td class="text">78231<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">210<span></span>
</td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">249-4100<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, par value $0.001 per share<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">USIO<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity, Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">No<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity, Current Reporting Status</a></td>
<td class="text">Yes<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity, Filer Category</a></td>
<td class="text">Non-accelerated Filer<span></span>
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<td class="text">false<span></span>
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<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity, Common Stock Shares, Outstanding</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">297<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">ADKF, P.C.<span></span>
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<td class="text">San Antonio, Texas United States<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentDescription', window );">Amendment Description</a></td>
<td class="text">This Amendment No. 1 to the Annual Report on Form 10-K (this &#8220;Amendment No. 1&#8221;) of Usio, Inc. (the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; and &#8220;our,&#8221;) amends the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2022, which was filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) on March 8, 2023 (the &#8220;Original Form 10-K&#8221;). This Amendment No. 1 is being filed for the sole purpose of including the information required by Part III of Form 10-K.

&#160;

In accordance with Rules 12b-15 and 13a-14 under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), we have also amended Part IV, Item 15 to include currently dated certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 from our principal executive officer and principal financial officer. Because no financial statements have been included in this Amendment No. 1 and this Amendment No. 1 does not contain or amend any disclosure with respect to Items 307 and 308 of Regulation S-K, paragraphs 3, 4 and 5 of the certifications have been omitted. Similarly, because no financial statements have been included in this Amendment No. 1, certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 have been omitted.

&#160;

Except as described above, this Amendment No. 1 does not amend any other information set forth in the Original Form 10-K, and we have not updated disclosures included therein to reflect any subsequent events. This Amendment No. 1 should be read in conjunction with the Original Form 10-K and with our other filings made with the SEC subsequent to the filing of the Original Form 10-K.

&#160;

Terms not defined in this Amendment No. 1 have the meaning given to them in the Original Form 10-K.

<span></span>
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<td class="text">true<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAnnualReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as an annual report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAnnualReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentTransitionReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a transition report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Forms 10-K, 10-Q, 20-F<br> -Number 240<br> -Section 13<br> -Subsection a-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentTransitionReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityShellCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntitySmallBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_IcfrAuditorAttestationFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_IcfrAuditorAttestationFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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In accordance with Rules 12b-15 and 13a-14 under the Securities Exchange Act of 1934, as amended (the &#x201c;Exchange Act&#x201d;), we have also amended Part IV, Item 15 to include currently dated certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 from our principal executive officer and principal financial officer. Because no financial statements have been included in this Amendment No. 1 and this Amendment No. 1 does not contain or amend any disclosure with respect to Items 307 and 308 of Regulation S-K, paragraphs 3, 4 and 5 of the certifications have been omitted. Similarly, because no financial statements have been included in this Amendment No. 1, certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 have been omitted.

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
