<SEC-DOCUMENT>0001213900-25-022797.txt : 20250311
<SEC-HEADER>0001213900-25-022797.hdr.sgml : 20250311
<ACCEPTANCE-DATETIME>20250311170237
ACCESSION NUMBER:		0001213900-25-022797
CONFORMED SUBMISSION TYPE:	SCHEDULE 13G/A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250311
DATE AS OF CHANGE:		20250311

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Usio, Inc.
		CENTRAL INDEX KEY:			0001088034
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				980190072
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-58445
		FILM NUMBER:		25728507

	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

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Whittier Holdings Inc.
		CENTRAL INDEX KEY:			0001545917
		ORGANIZATION NAME:           	
		IRS NUMBER:				880328494

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		100 WEST LIBERTY STREET
		STREET 2:		SUITE 890
		CITY:			RENO
		STATE:			NV
		ZIP:			89501
		BUSINESS PHONE:		626-441-5111

	MAIL ADDRESS:	
		STREET 1:		100 WEST LIBERTY STREET
		STREET 2:		SUITE 890
		CITY:			RENO
		STATE:			NV
		ZIP:			89501
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13G/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
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  <headerData>
    <submissionType>SCHEDULE 13G/A</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <!-- Field: Pseudo-Tag; ID: Name; Data: Whittier Holdings Inc. -->
          <cik>0001545917</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>2</amendmentNo>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>09/24/2024</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0001088034</issuerCik>
        <issuerName>USIO, INC.</issuerName>
        <issuerCusip>917313108</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>3611 Paesanos Parkway Suite 300</com:street1>
          <com:city>San Antonio,</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>78231</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(b)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Whittier Holdings, Inc.</reportingPersonName>
      <memberGroup>a</memberGroup>
      <citizenshipOrOrganization>NV</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0.00</soleVotingPower>
        <sharedVotingPower>2805752.00</sharedVotingPower>
        <soleDispositivePower>0.00</soleDispositivePower>
        <sharedDispositivePower>2805752.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>2805752.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>10.34</classPercent>
      <typeOfReportingPerson>HC</typeOfReportingPerson>
      <comments>(1) Includes 2,805,752 shares held by Whittier Trust Company for the benefit of National Services, Incorporated ("NSI") as of the date of this filing. Whittier Holdings, Inc. is the parent holding company of Whittier Trust Company.

(2) Based on 27,130,334 shares of Common Stock issued and outstanding as of November 4, 2024.</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Whittier Trust Company</reportingPersonName>
      <memberGroup>a</memberGroup>
      <citizenshipOrOrganization>CA</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0.00</soleVotingPower>
        <sharedVotingPower>2805752.00</sharedVotingPower>
        <soleDispositivePower>0.00</soleDispositivePower>
        <sharedDispositivePower>2805752.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>2805752.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>10.34</classPercent>
      <typeOfReportingPerson>BK</typeOfReportingPerson>
      <comments>(1) Includes 2,805,752 shares held by Whittier Trust Company for the benefit of National Services, Incorporated ("NSI") as of the date of this filing.

(2) Based on 27,130,334 shares of Common Stock issued and outstanding as of November 4, 2024.</comments>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>USIO, INC.</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>3611 Paesanos Parkway Suite 300 San Antonio, Texas 78231</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>(i) Whittier Holdings, Inc., a Nevada corporation and holding Company of WTC and WTCN ("WHI");
(ii) Whittier Trust Company, a California corporation and a California state chartered trust company ("WTC").</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>The address of the principal business office of WHI is 100 W. Liberty St., Suite 890, Reno, NV 89501. The address of the principal business office of WTC is 177 E. Colorado Blvd., Suite 800, Pasadena, CA 91105.</principalBusinessOfficeOrResidenceAddress>
        <citizenship>WHI is a Nevada corporations.
WTC is a California corporation.</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>N</notApplicableFlag>
        <typeOfPersonFiling>BK</typeOfPersonFiling>
        <typeOfPersonFiling>HC</typeOfPersonFiling>
        <typeOfPersonFiling>OO</typeOfPersonFiling>
      </item3>
      <item4>
        <amountBeneficiallyOwned>2,805,752</amountBeneficiallyOwned>
        <classPercent>10.34%</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>0 shares of Common Stock</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>2,805,752 shares of Common Stock</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>0 shares of Common Stock</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>2,805,752 shares of Common Stock</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>Y</notApplicableFlag>
      </item5>
      <item6>
        <notApplicableFlag>N</notApplicableFlag>
        <ownershipMoreThan5PercentOnBehalfOfAnotherPerson>Whittier Trust Company holds 2,805,752 shares on behalf of and for the benefit of NSI.</ownershipMoreThan5PercentOnBehalfOfAnotherPerson>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>N</notApplicableFlag>
        <identificationAndClassificationOfGroupMembers>WHI is classified as a holding company (HC), and WTC is classified as a bank (BK). See the item 2.a. above for further details.</identificationAndClassificationOfGroupMembers>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>N</notApplicableFlag>
        <certifications>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.</certifications>
      </item10>
    </items>
    <exhibitInfo>A. Agreement of Joint Filing</exhibitInfo>
    <signatureInformation>
      <reportingPersonName>Whittier Holdings, Inc.</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Robert Renken</signature>
        <title>Robert Renken, Vice President</title>
        <date>03/11/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Whittier Trust Company</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Robert Renken</signature>
        <title>Robert Renken, Executive Vice President</title>
        <date>03/11/2025</date>
      </signatureDetails>
    </signatureInformation>
  </formData>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ea023370801ex99-1_usio.htm
<DESCRIPTION>AGREEMENT OF JOINT FILING
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 99.1</B></P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Exhibit A</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">AGREEMENT OF JOINT FILING</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The undersigned hereby agree that they are filing jointly, pursuant to
Rule 13d-1 of the Securities Exchange Act of 1934, the Schedule 13G dated on or about March 11, 2025, containing the information required
by Schedule 13G, for the shares of common stock of USIO, Inc. held by Whittier Trust Company, a California corporation and a California
state chartered trust company (&ldquo;WTC&rdquo;), and Whittier Holdings, Inc., a Nevada corporation and holding Company of WTC (&ldquo;WHI&rdquo;),
such other holdings as may be reported therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Dated: March 11, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHITTIER HOLDINGS, INC.</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Robert Renken</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:&nbsp; </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Robert Renken</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vice President</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHITTIER TRUST COMPANY</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Robert
    Renken</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Robert Renken</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>


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