Firstly, I acknowledge the traditional owners of the land on which I stand today, the Gadigal people of the Eora Nation, and pay my respects to their elders, past, present, and future. I'd also like to acknowledge the elders of the land where each of you are today, noting that many of us are in different locations for today's meeting. Finally, I extend my respect to any First Nations people joining us for today's annual general meeting. It is now 1:00 P.M., and there being a quorum present, I declare the meeting open for business. I confirm that the meeting has been properly constituted. In opening the 2025 AGM, I'd like to introduce the Board of Plenti, who are in attendance. I am joined by my fellow directors, Peter Behrens, who joins us online, Stephen Benton, and Daniel Foggo. In addition to the Board, we have in attendance today the following members of the executive team – Adam Bennett, our Chief Executive Officer – Miles Drury, our Chief Financial Officer – Georgina Koch, General Counsel, Company Secretary, and Executive for People and Culture – Ben Milsom, our Chief Commercial Officer – Glenn Riddell, Chief Operating Officer – Simon Cordell, Chief Risk Officer – and Tom Wright, our General Manager of Strategy Execution. We're also joined today by Liam Te-Wierik from Grant Thornton, the company's auditor. Today's meeting is being held through an online meeting platform powered by Automic. This allows shareholders and proxies to attend the meeting virtually. All attendees can participate in a live webcast of the meeting. In addition, shareholders and proxies have the ability to ask questions and submit votes. In order to vote at this meeting, you need to have registered your shareholding with Automic. If you haven't already done so, you can follow the instructions on screen to register and log in to enable you to vote at this meeting. Questions can be submitted at any time. To ask a question, press the Q&A icon. This will open a new screen. At the bottom of that screen, there is a section for you to type your question. Please start your question by typing your shareholding SRN or HIN. This will allow the moderator to identify you as a shareholder. If you'd like to ask your question verbally, type your SRN or HIN and then type, "I want to ask a verbal question." Once you have finished typing, please hit Enter on the keyboard to submit. Please note that while you can submit questions from now on, I will not address questions until the relevant time in the meeting. Kindly start your question with the agenda item number to which it relates. Please also note that your questions may be moderated, or if we receive multiple questions on one topic, amalgamated together. Due to time constraints, we may run out of time to answer all your questions. If this happens, we'll answer them in due course via email. All questions should be addressed to me as the Chairman. I will either deal with the question personally or ask someone who is better placed to respond. We will do our best to answer any relevant questions raised. I ask that you keep your question short and to the point so that as many shareholders as possible have a chance to ask a question. The agenda for today's meeting will be as follows: I'll provide the Chairman's address, followed by an address from the company's CEO, Adam Bennett, after which we'll proceed to the formal matters to be considered at today's AGM. Finally, there'll be an opportunity for questions and discussion. On behalf of the Board, I'm delighted to welcome you, our shareholders, to Plenti's fifth AGM since listing on the ASX in September 2020. Plenti's mission is to build Australia's best lender. Once again, great strides were made towards the accomplishment of this mission over the last year in terms of how we serve our customers and how we deliver for all our stakeholders. Throughout the financial year, and despite some recent uncertainty in international markets, changing geopolitical landscape, Australian macro conditions remain relatively stable, with consistent interest rate settings by the Reserve Bank of Australia, stable and low unemployment levels, strong ongoing consumer demand for credit, and funding markets remaining open and effective at allocating capital. The landscape for personal lenders remains highly competitive, with the big banks, non-bank financial institutions, and fintech lenders all vying for customer consideration. It's also been a year of change for Plenti. As co-founder, Daniel Foggo decided to move from the CEO role to a non-executive director role, and Adam Bennett was appointed as CEO. Transition can be distracting with potential to slow momentum and cloud performance. I'm delighted to report to shareholders that Plenti has avoided these potential pitfalls. It is against this backdrop that I'm especially pleased with Plenti successfully growing its loan portfolio and increasing its cash impact by 18% and 126% respectively. This is a significant achievement, and when coupled with delivering solid outcomes with our strategic partners, such as the National Australia Bank, is a testament to our focus on delivering in both the short and medium term for our shareholders. CEO transition creates a strong catalyst for strategic refresh, and the Board worked closely and collaboratively with management during the year to refresh Plenti's corporate strategy and agree on a clear agenda for the company's trajectory over the next three to five years. This refresh strategy has three clear horizons, focused on rapidly and profitably growing our loan book and continuing to invest appropriately in our proprietary technology and straight-through processing capabilities. It also sees us continuing to focus on differentiating our credit capabilities and nurturing the development of our highly capable team. I believe Plenti remains differentiated relative to its broader competitive set in those things that matter most. In particular, Plenti's ownership of its own technology platform and its constant pushing against boundaries to provide even better customer and partner experiences has been fundamental to Plenti's differentiated performance. It's been pleasing to see large organizations such as the National Australia Bank, the Western Australian Government, Tesla, Cadillac, Select, Plenti integrate closely into their digital journeys to improve their overall customer experience. In the last year, the depth of Plenti's funding sources continues to strengthen, as evidenced by the successful completion of three asset-backed securities transactions, which introduced an even broader set of domestic and international investors. During FY2025, Plenti issued two auto ABS transactions for $458,509,000 and a third for our personal loan and renewable energy for $330,000. This brings our total ABS issuance to over $3.8 million. Another highlight of the year was successfully launching the NAB powered by Plenti car loan into the market. This represents a significant milestone for Plenti as we commence building the loan book with NAB customers and delivering more meaningful lending volumes. I would like to acknowledge the great work that Plenti's renewable energy and automotive teams continue to undertake in supporting the transition of Australian households to a lower carbon world, most notably through their work in helping to simplify the purchase of solar battery systems and electric vehicles, whilst also making clean energy options more affordable. As recently reported in a closely contested public tender, Plenti won the right to manage the Western Australian Government's new battery rebate scheme as their primary finance partner. I remain proud to chair a business that genuinely wants to make a difference for consumers, our community, and our shared environment. I'd now like to thank Adam and his entire leadership team and the Plenti team for their success in executing Plenti's strategic goals over the last year and express mine and the Board's confidence in their capabilities and dedication to building Plenti into Australia's best lender. I'd also like to thank my fellow directors for the support and energy they devoted to Plenti over the last year. In particular, I thank our directors for their commitment to the smooth transition of Adam into the business as successor to Dan as CEO of Plenti. I'll take this opportunity also to thank Susan Forrester. She's recently stepped down from the Board of Plenti. Susan made a significant contribution to our Board governance and strategic human resources agenda, and we wish her every success in her ongoing endeavors. Finally, I'd like to thank you, our shareholders, for your ongoing investment and support as we've continued to grow the company and create additional shareholder value. I'm delighted to now introduce Adam to deliver his CEO address to shareholders and provide you with more strategic and operational detail of the year we've just completed. Thank you, Mary, and good afternoon. Having just passed my first full year with Plenti, I'm pleased to be addressing shareholders to present a summary of our company's performance for the 2025 financial year. Let me thank Mary Ploughman, Dan Foggo, and all of the directors for their support, guidance, and constructive challenge as I've settled into the CEO role. Plenti has had an outstanding FY2025 on all of the metrics that matter, successfully delivering against our FY2025 market guidance for growth, efficiency, and profitability. I'm delighted with how the entire team has worked collaboratively and effectively to deliver for our customers, brokers, and strategic partners and remained focused on the delivery of profitable growth. Let me call out some of the financial highlights as Plenti continued on its strong growth trajectory, with performance accelerating in Q3 and Q4. Plenti continued to achieve strong loan portfolio growth whilst preserving net interest margins and broader credit quality. The business delivered loan originations of $1.4 billion, up 18% on PCP, which drove a closing loan portfolio of $2.5 billion, up 19% on PCP. This represents a 25% three-year CAGR for loan portfolio growth, and we saw this momentum build further in Q3, up 32% against PCP, and Q4, up 42% on PCP. Plenti has now delivered over $6 billion in cumulative lending since formation. Strong loan originations drove meaningful revenue growth to $259 million, up 23% on PCP and representing a 43% three-year CAGR. Our focus on prime credit borrowers continues to differentiate our credit performance and loss rates, as evidenced by our closing 90+ arrears of 43 bps, down 15 bps year on year, and 1.1% net loss rate. When loan book growth, strong credit, stable margins, and disciplined cost management come together, this drives cash impact growth. Our closing cash impact was $13.8 million, a 126% increase on PCP, demonstrating the leverage available in Plenti's technology-led business model as the business continues to scale. Let me now share some more detailed operational results. It's extremely pleasing to see that all three product verticals delivered outperformance across FY2025. Our automotive business, encompassing both consumer and commercial, grew organically and benefited from the quality of our relationship with brokers, Tesla, and NAB. It delivered 14% originations growth, which resulted in an increase in the portfolio of 17% on PCP, closing the year with a loan book of $1.43 billion. Plenti has now funded over 70,000 vehicles to date, and we expanded our OEM program with a successful Tesla subvention offer and loyal partnership with Cadillac. Our renewables business, financing solar panels and batteries, grew significantly, driven by strong relationships, our unique GreenConnect technology platform, and higher battery uptake to deliver a loan portfolio of $341 million, up 18% on PCP. We also won several new large national installers. Our personal loan business, financing a broad range of consumer needs and life events, delivered significant growth driven by operational excellence and technology enhancements, growing 24% against PCP to achieve a closing loan book of $764 million. We invested significantly in underwriting capacity and technology, increasing our credit decision consistency and speed, and increasing our straight-through processing rates to more meaningful volumes. Of note, the NAB powered by Plenti car loan setup is now complete, and origination momentum is accelerating. Product is now fully implemented across NAB and Plenti, visible on all of NAB's retail digital platforms, and marketing investment commenced. Continued NAB and Plenti optimisation is well underway, and product momentum and volumes are now building. Throughout the year, Plenti maintained disciplined management of costs, which materially reduced our cost-to-income ratio from 26.5%- 23.9%, demonstrating the operating leverage inherent in our technology-led model. Picking up on Mary's early commentary, the Board and management worked collaboratively over the summer to refresh Plenti's corporate strategy. Our starting point was the acknowledgement of some strong and differentiating strategic foundations. Investment in our proprietary technology has underpinned our partner relationships, credit decisions, loan originations growth, and overall efficiency. Our proprietary technology gives Plenti total control over the continuous improvement and pace of change and enables tight integration with our customer and broker journeys. It also provides a foundation for rapid change in AI adoption to deliver strong operational efficiency and improved products. These capabilities deliver real-world commercial outcomes with award-winning, highly automated, and rapid customer experiences, combined with differentiated technology, including our unique GreenConnect and Plenti lending platform marketplaces. Our technology, when combined with our partnership capabilities and commercially collaborative culture, has enabled us to work with far larger organizations such as NAB, Tesla, Cadillac, and AGL and embed deeply within their digital customer acquisition journeys. Lastly, our credit and pricing expertise, driven by our proprietary CreditEd engine, has delivered disciplined acquisition of prime borrowers and an enviable track record of low losses. We also recognize that, despite our rapid growth, Plenti currently has small shares of very large markets, creating significant runway and growth potential. Our refresh strategy is therefore simple. We are pursuing a breakout growth ambition across three clear horizons over the next five years. Horizon one this year is to grow by doing what we do, but better. Horizon two, years two and three, is to grow by also doing new things. Horizon three, up to years four and five, is to grow by scaling boldly into new opportunities. Our success will be underpinned by extending and improving three distinctive strategic capabilities. One, deeper relationships with target customers and partners, supporting diverse and complementary distribution channels. Two, data and artificial intelligence to drive fast, reliable credit decisions, reduce operating costs, optimize pricing, and uplift customer cross-sell capabilities. Three, proprietary technology investment to provide customers and partners with fast, simple, and consistent digital journeys with a low cost of manufacture. The outstanding advances Plenti has made over the last year have only been achieved due to the capabilities and dedication of our incredible team of Plenti-neers. It is clear that each team within the business is committed to delivering our mission, which is to build Australia's best lender. I would therefore like to thank each member of the Plenti team for their dedication, commitment, and hard work through the year. Your work has made a positive difference for our customers, your colleagues, and our shareholders. Additionally, I would like to thank Plenti's business partners, from its funders to referral partners and brokers, who continue to support our growth and success. Thank you, our shareholders, for your continued faith in our ability to deliver positive outcomes. I finished my first year extremely excited by Plenti's customer offerings, its market positioning, its technology capabilities, and so much more. We closed FY2025 with a refreshed corporate strategy, an aligned Board, executive, and employee team, and real momentum to deliver our growth agenda. We have a solid set of foundations in place, and I believe we can continue to set new standards in personal lending in Australia, deliver profitable growth, and increase shareholder value. Thank you, and let me now pass back to our Chair, Mary Ploughman. Thank you, Adam. We now move to the formal business, as set out in the notice of meeting. The notice of annual general meeting was forwarded to all registered members on or about the 18th of July, 2025, and is taken as read. Voting on all resolutions will be conducted by poll. For the purposes of the poll, I appoint Mathew Hunter of Automic Registry Services, the company's share registry, who has examined and prepared summaries of the proxy forms received to act as returning officer and conduct the poll. Shareholders in attendance virtually that have not submitted a vote by proxy and wish to vote on the resolutions being put to the meeting today can do so by registering your shareholding with Automic. Instructions on how to register your holding were provided in the notice of meeting and can also be seen on screen. If you have already lodged a proxy vote, please note that you do not need to vote again through the online voting portal. Your votes will already be counted in a poll on each resolution as per the proxy instruction. If you have any problem registering your shareholding with Automic, please call the support number shown on the screen. To allow shareholders time to log in, I now declare the poll open. Online voting is now open and will remain open until I declare it closed at the end of the formal business. Your votes must have been submitted prior to the portal being closed for them to count. Are there any questions in relation to the voting process? Thank you, Chair. There have been no questions regarding the poll and voting process. Thanks, Glenn. Proxies have been inspected, and all those validly lodged have been accepted. Proxies have been received, representing 26% of the issued capital of the company. All undirected proxies or open votes that have nominated the Chair of the meeting as their proxy will be cast in favor of the resolution set out in the notice of annual general meeting. We will now proceed to the resolutions. The first item of business is to receive the company's annual financial report for the year ended March 31, 2025. The financial report and the reports of the directors and auditors are now laid before the meeting. There will be no vote on this item, as it is a discussion item only. The company's auditor for the financial year, Liam Te-Wierik of Grant Thornton, is present to take questions relevant to the conduct of the audit and the preparation and content of the independent auditor's report. Are there any questions or comments on the financial report or the report of the directors and auditors? As a reminder, when submitting a question, start by typing which resolution it relates to so that it can be addressed at the appropriate time. Thank you, Chair. There have been no questions regarding this item. Are there any questions relevant to the conduct of the audit and the preparation and content of the auditor's report to be put to our auditor? Thank you, Chair. There have been no questions regarding this item. We will now proceed to the resolution set out in the notice of Annual General Meeting. Our second item of business is as follows – to consider, and if thought fit, to pass Resolution Two, adoption of the Remuneration Report as an ordinary resolution. If you wish to discuss this resolution, please submit your questions via the Q&A. Thank you, Chair. There have been no questions regarding this item. The proxies received in relation to this resolution are on the screen. I now put the motion. Shareholders can vote via the online portal. However, you are reminded not to click on next until you have selected your vote for all the resolutions. Our third item of business, resolution three, is as follows: to consider, and if thought fit, to pass resolution three, the reelection of Stephen Benton as the Director as an ordinary resolution. Stephen will now provide a brief address. Thank you, Mary. Thank you, Chair, directors, ladies, and gentlemen. Having been appointed as a director in August 2022, and being able to do so, allow for myself to be reelected as a director of the company. I'm proud to have played a role in Plenti's significant business and capability growth over the last few years. I'm most excited about Plenti's ambitious strategy. This appropriately ambitious strategy continues to deliver consistent growth, competitive differentiation and capabilities, while at the same time effectively managing risk. I am confident that I can continue to contribute to the achievement of this strategy, leveraging my considerable experience and personal approach. I have over 30 years of senior executive experience in lending businesses from startups to large international corporations with a constant theme of ambitious growth and innovation. In addition, I have 15 years of board governance experience across a range of financial services through. My skills and mindset are complementary to the Plenti board, and my emphasis on balanced alignment of business commercial success and organizational risk maturity, with an emphasis on alignment of the culture to achieve both outcomes. It is with great enthusiasm I put myself forward to be reelected as a director of the company, and I sincerely thank you for your consideration. Thank you, Stephen. If you wish to discuss this resolution, please submit your questions via the Q&A. Thank you, Chair. There have been no questions regarding this item. The proxies received in relation to this resolution are on the screen. I now put the motion. Shareholders can vote by the online portal, but are reminded not to click on next until you've selected your vote for all resolutions. The fourth item of business, resolution four, is as follows – to consider, and if thought fit, to pass resolution four, ASX Listing Rule 7.1A, approval of future issue of securities as a special resolution. If you wish to discuss this resolution, please submit your questions via the Q&A. Thank you, Chair. There have been no questions regarding this item. The proxies received in relation to this resolution are on the screen. I now put the motion. Shareholders can vote by the online portal, however, are reminded not to click on next until you have selected your vote for all resolutions. Our fifth item of business, resolution five, is as follows: to consider and, if thought fit, to pass resolution five, to increase the maximum aggregate annual remuneration of non-executive directors as an ordinary resolution. Let's go. If you wish to discuss this resolution, please submit your questions via the Q&A. Thank you, Chair. There have been no questions regarding this item. The proxies received in relation to this resolution are on the screen. I now put the motion. Shareholders can vote via the online portal, however, are reminded not to click on next until you have selected your vote for all resolutions. That concludes the resolutions to be voted on today. As noted, we are conducting a poll on all resolutions, and I note that the poll is already open. Can all shareholders voting online please now ensure they have submitted their votes? I will now allow another minute before the poll is closed. If you have any questions in relation to the submission of online votes, please send them through the Q&A function now. Thank you, Chair. There are no further questions. There being no questions, I declare the poll closed. Mathew Hunter of Automic Registry Services will now process the poll, and the results will be announced on the ASX once they're available. Is there any other business that can lawfully be brought forward? There being no further questions, I would like to thank all shareholders for their attendance. As advised earlier, the results of the poll will be announced to the ASX once they are available. I will now end today's meeting. I declare the meeting closed.