Well, good afternoon. On behalf of my fellow directors and the entire Tyro team, we're really pleased to welcome you to this year's 2021 A nnual General Meeting for Tyro. As you may know, my name is David Thodey, and I'm Chair of Tyro Payments Limited. Before we begin today, let me just begin by acknowledging the traditional owners and custodians of the land, sea and waters from where I'm joining you today. For me, that is the Gadigal people of the Eora Nation. I'd also like to acknowledge the traditional owners and custodians of various lands from where you're all joining this virtual meeting today, and I wish to pay my respect to elders past and present and emerging as well. Well, due to the health and safety impacts of COVID-19, again, we are indeed doing a virtual meeting and, you know, it's the government mandated lockdowns just have continued. Unfortunately, we really just missed the window here in New South Wales. We had hoped that we might be able to fit in a hybrid meeting, but it was just too difficult to do so. We are doing a full virtual meeting. Now, I know that this virtual meeting format is familiar to some of our shareholders, but I do recognize that that's not the case for everybody. You know, I'd like to take just a little bit of time at the start of this meeting to take you through the technical aspects of the meeting, just to make sure that we all have the same opportunity to be able to ask questions, vote, as you would expect or want to do in a physical meeting. I'd also just encourage you now, if you haven't done it, to download the virtual AGM meeting guide from Tyro's website, because that has a lot of information in it. Now, I'm informed by our Company Secretary that in accordance with the company's constitution, a quorum is present, and I declare the meeting formally open. Let me begin by introducing my fellow Non-Executive Directors who are participating in the meeting today. Let me start with Hamish Corlett. Hi, everyone. Hi, Hamish. David Fite. Good afternoon. Thanks, David. I should quickly say it's David's birthday, you know, tomorrow. Fiona Pak-Poy is joining us here. Hello, everybody. Hi, Fiona. Paul Rickard. Oh, we've lost Paul's voice, but he is there, I promise you. Also joining us today for her first Tyro AGM is Aliza Knox, who's joining us from L.A. of all places. She says that the you know, Wi-Fi coverage is okay over there, but we'll wait to see how it goes. It's been great to have Tyra on board. She joined in April. Welcome, Aliza. Hi. Oh, that worked. That's great. Okay. Well, I'd also like to introduce a member from Tyro's exec team, who I'm sure many of you know. Firstly, Robbie, who's our CEO and Managing Director, and he's joining us from Brisbane. Good afternoon, everybody. Good afternoon. Yeah. Hi, Robbie. Prav Pala, our wonderful CFO. Good afternoon, all. Yeah. Hi, Prav. Oh, you're looking very official there. Prav doesn't always wear a shirt. He's pretty good. Jay Amigh, our Company Secretary. Hi, everyone. Hi, Jay. I'm pleased to say we're joined online by all of Tyro's executive leadership team and Michael Burn from EY, our auditors, who is joining us. Hi, Michael. Hi, everyone. Great. Thanks, Michael. Of course, Michael's available to take any questions from shareholders, and that you may want to ask our auditors. Of course, the wonderful person who puts everything together for us is Giovanni Rizzo. Giovanni puts together this meeting and all the wonderful documentation. Giovanni, great to have you here. Okay, let's move on to the agenda. Firstly, I'm gonna give you an address as chair of the company, and then Robbie is going to give a quick view of full year 2021 and a little bit of a trading update on full year 2022. Then we'll go to the formal part of the meeting. We have seven resolutions, quite a few to put to you, our shareholders. We are very grateful for you being here and participating in that. Of course, we will make time for you to ask questions. I know it's difficult in this format and, you know, I've been involved in a number of virtual AGMs. Look, if there are any questions, we really do welcome them. But also just as equally, if you don't, that's okay. The first part of what I need to do is the annual report for 2021 was made available to shareholders on the 26th of August 2021, and the notice of meeting we put out on the 1st of October 2021. I'd like to take these documents as read. They've been lodged. Let me just run through the voting processes. Now in terms of voting on all the resolutions will be conducted by way of a poll using electronic voting systems provided by our share registry. To obtain a voting card, please go to the bottom of the Tyro AGM webpage you're currently on. Under the webcast and presentation, there are three boxes, and to register to vote, click on the Get A Voting Card button. That's the one to push. If you're an individual joint shareholder, you'll need to register and provide validation by entering your details in the top section of the voting card, which includes your shareholder number, either SRN or HIN, and postcode. If you key in the wrong postcode, so make sure you get the right postcode. If you're an appointed proxy, please enter the proxy number issued to you by Link Market Services in the proxy details section. Once you have entered your appropriate details, click the Submit Details and Vote button. Once you've registered, your voting card will appear and will detail the resolutions to be voted on in today's meeting, as set out in the notice of the meeting. Shareholders and proxies can either submit a full vote or, if you want to, a partial vote. A little bit of administration there, but it is important we get through that. Now, in terms of questions, just want to say, only shareholders can ask questions. You'll only be able to ask a question after you've registered to vote, so you've got to do that first. If you'd like to ask a question, do click on that Ask a Question button on the Tyro AGM webpage and follow the instructions there. Now, for those shareholders who want to ask a verbal question, and this is a really important part of, you know, how we're improving these virtual meetings. If you want to do that, an audio questions facility is available during this meeting. To use this service, please follow the instructions contained in the virtual meeting online guide. There's a couple of extra steps in there, but, you know, if you do have something you wanna ask us, please feel free to do that. We'll endeavour to answer all the questions received. However, if there are questions on a similar topic, Giovanni will pull them together, and we'll try to provide you one response, but we will try to answer every question. If you have trouble at all through the AGM meeting platform, you know, please refer back to the AGM guide on the Tyro website. There are some helpline numbers there that you can go to. Now, if we do experience, you know, the thing you never want to happen, a technical issue that impacts the ability of the meeting to continue, I must, you know, talk to Giovanni about the situation, and we'll communicate with you further. If it's not possible, we'll get out to you with email instructions and try to get the meeting back going. Okay, that's a bit of a mouthful, but we need to do that just so everyone's sort of at the same level of understanding. We can now turn to the first item of ordinary business, which is the tabling of the group's annual report for the 2021 financial year. As I said, the group's financial report, the directors' report and the auditors' report. These reports were lodged with the ASX and made available to shareholders, as I said, on August 26. As the Corporations Act does not require a vote on these reports, they will be tabled but will not be subject to a resolution. I now table the annual report for the year ended June 3, 2021, together with the related directors' report and auditors' report. That one's done. Let me now turn to my presentation and just a few brief comments on the performance over 2021. Look, I do wanna just talk around the payments industry because it you know continues to go through significant change. You know, there's a structural shift that we're seeing in the way people pay, both here in Australia and internationally, and that is gonna continue, we think, for many years. Cash, as a means of payment, is going to continue to decrease, with customers preferring, you know, contact-free payments or, you know, what we now you know term sort of frictionless payments is the current term. And e-commerce payments is a critical part of that, and now QR code-based payments. These changes are really driving, you know, I think, you know, the ability with e-commerce and these new cloud-based technologies, it's really enabling small businesses to operate in fundamentally different ways. I understand that cloud penetration in small and medium business is at most just in the 20-odd%. We've got enormous opportunity. We're also seeing the advent of, you know, blockchain, you know, manifest through cryptocurrencies, and this is gonna be a really important part of the future. We've also got the rollout of open banking, which is giving customers the ability to share their banking data with third parties, and will also allow customers to choose better-suited banking products and switch their products between banks more easily. We think these are enormous opportunities, and these innovations will provide opportunities to accredit participants who really may not have been able to participate before. Tyro is really strongly placed to support our merchants in response to these industry changes, and we have some great industry-leading product offerings. As we look to the future and the strategy that we're embarking on, we are excited. These industry changes have and will continue to be a positive catalyst for growth at Tyro. It's for that reason that Tyro will continue to invest in the growth runway that we think is available to us. You know, 2021 was a pretty full year, and we really were focused on three key strategic initiatives. Firstly, the completion of the Bendigo Bank lines, which I'm very pleased to say the team did a great job, and that has all happened very smoothly. We completed the acquisition of the health fintech Medipass, which has really strengthened our presence in the health sector, and we continue to focus on e-commerce solutions. Of course, we have that very strong partnership with me&u, and we think that's really starting to yield some real benefits as we go forward. Now, Robbie's gonna take you through more of the details of these achievements, you know, after I finish. As I mentioned, full year 2021 also presented us with some really big challenges. In fact, probably the biggest challenges we've had in our history with COVID-19 continuing to be a significant challenge right across our community, you know, across all our customers and also for our staff. You know, with the rollout of vaccines in Australia and globally starting to offer hope that business can return to at least some degree of normality. Many of our merchants are just starting to, you know, come out of this period, but they're still severely impacted. I do want to stress, I think for anybody who's been involved in anything to do with COVID, and I've seen it from CSIRO's perspective, I'm afraid coexistence is going to be absolutely essential going forward because we don't know just where different virulent strains may come from. Until the world is completely vaccinated, it is just an unknown for us all. There are still limitations placed on a number of things. International travel, for example, though, it's great to see New South Wales opening up. We've still got, you know, state-based lockdowns, at least, you know, we're starting to see that freeing up a bit. That's been limiting, you know, just the number of customers that can really sort of come back online. However, if you haven't seen the results, and Robbie will mention this, we did see just last week some good transaction growth. Also as we did in the year 2020, and we really focused again on in 2021, we really do remain committed to doing all that we possibly can do to support our merchants and our teams through this challenging period. You know, both in, you know, offering a range of financial and wellbeing support packages to our merchants that we've done, but we're also ensuring we continue to provide critical payments and banking services, you know, to that, you know, 58,000-odd merchants. The second thing that happened in 2021 that really challenged us was the terminal connectivity issue, which was experienced by our merchants in January 5, 2021. I remember the day intimately. In response to this event, you know, we have spent a lot of time as a board and with Robbie and the management team, you know, looking how to remediate, you know, the impact we had. Also to financially support our merchants in a fast and straightforward way and to make, you know, if they did wanna make a claim and, if they had suffered financial loss. You know, we've been hard at work here. You know, this make good process continues to be available now, and, to any, you know, merchant who's been financially impacted. We would encourage anyone, if you wanna talk to us, please do talk to us. Tyro remains really fully committed to this approach, notwithstanding the representative proceedings that were filed in the Federal Court two weeks ago, which was not a surprise to us. We knew it was coming. Robbie's gonna provide a bit more detail analysis on this issue, together with the specific steps we're taking in remediating our merchants so that you understand that, because remember, our merchants are so critically important to us, and you know, how we're using industry-leading products, to really provide support to our merchants, et cetera. As a board, we were very encouraged by the way the team rallied together and dealt with the adversity. It wasn't easy. The way that they've really, you know, pushed through the impact of COVID and supporting our merchants, also dealing with the terminal connectivity issue that was really, you know, complex 'cause we had to bring all the terminals back into the office. I'm happy to report that as at yesterday, 93% of all remediation claims relating to the terminal incident have been resolved. We've really been processing those as quickly as we can. Against this backdrop of the structural changes in the payment industry, as well as the COVID challenges and the connectivity issue, it really was very gratifying to see and to report that Tyro performed strongly in 2021, achieving record transaction value. Our gross profit was great and a positive EBITDA of AUD 14.2 million. The delivery of this positive EBITDA, I think, provides shareholders with confidence that Tyro is on a path to profitability as we continue to grow. The COVID-19 pandemic has clearly demonstrated how really deeply interconnected our world has become, both socially, environmentally, you know, across our lives, across our communities. You know, now that we're working with over 58,000 merchants across Australia, it's really important that we fulfill our mission of simplifying payments and banking for our customers. We have really focused on delivering solutions that create, you know, a sustainable future for our stakeholders, and this includes our shareholders, our people, our merchants, you know, the broader community in which we operate. This is all about creating a sustainable future, and we are very focused on our environmental footprint and our impact on the planet and the strategies that we have in place to minimize that impact. This year we released our first standalone sustainability report, which you can read. It's on the website, and I really would encourage you to read this report and look at the significant steps that we are taking. Of course, as I mentioned, it really is across all those elements of environmental, social, and governance responsibility as we sort of go on our journey to creating a truly carbon neutral world. Also, of course, diversity is very important to us, and an inclusive, you know, community, both within Tyro and with our merchants and with our customers. Let me just sort of wrap by talking about the board. You know, at the end of the year, Cathy Harris, who many of you know, decided to step down from the board, and I should take this opportunity to thank her again for her significant contribution to our company over the last, you know, five and a half years. We've been really fortunate to have the benefit of Cathy's strong customer focus. Let me assure you, she was always a voice for the customer, and she was fearless in her counsel to the board. We miss Cathy's contribution, but wish her all the best. As life goes on, Cathy's position as Chair of the People and Rem Committee has been taken by Fiona Pak-Poy, and she's done a wonderful job, and you'll be hearing from her today. We have announced today also that Hamish Corlett, who's been thinking about, you know, his board portfolio commitments and his day-to-day professional responsibilities against his desire to have a better, you know, work-life balance since he had, you know, another family member arrive. For these reasons, Hamish feels that the time is right to step down from the board. It's time. Delighted to say he is here today, but he will be standing down at the end of the meeting today. I really would like to thank Hamish for his commitment to Tyro. Over the last six years, you know, his contribution to our success has been really invaluable. He has such a great knowledge of the global payments sector. I think really probably second to none, second maybe David Fite. As a board, we've been really you know grateful to have Hamish on the team. You know, his insight, his counsel and his passion have been really appreciated. So we farewell Hamish. But as with all these things, you know, we have new board members arriving. As I mentioned earlier on twenty-first of April, we were pleased to welcome Aliza Knox to the board. Aliza's experience in scaling banking and financial services business is part, you know, particularly in the digital sector, really makes her a great addition to Tyro's Board, and she's gonna say a few words to you later on. I do wanna stress board succession planning remains really a key focus of the board, and we spend time on it every time we get together, and just to make sure we've got the right skills around the table to, you know, help Robbie and the team move the business forward. I do wanna just say that we're in the process of just appointing additional directors, and that should be, we should be able to announce that in the next few months. As Chair of the Board, it's really my pleasure to thank all the board members. You know, we've had a lot of board meetings. If you look at the annual report, we spent a lot of time together as we've worked through a lot of these issues over the last year. I really, you know, appreciated all their contribution. I would really like to thank, you know, the incredibly dedicated team, the people of Tyro, they have been just wonderful in what they've done. Also our merchants and you, our shareholders, and all our other partners. Thank you very much. A big year. We're gonna try to make 2022, you know, a little bit better. Not so many issues, but we will wait and see how we go. That concludes my address to you. With that, I'm gonna hand across to Robbie to give you an update on 2021 and trading. Over to you, Robbie. Thanks, David, and welcome again, everybody. It's great to be here this afternoon. I have to say, though, I look forward to the day when we can do these events in person again. In short, though, look, it's been an intense year here at Tyro. As a team, we've traversed a lot of ground since our IPO, which was hard to believe, but only less than two years ago. Despite a few challenges thrown our way, we continued to successfully deliver on the strategy we outlined on our listing. I'll talk a little bit more about these accomplishments shortly. I'll also touch on some of our coming initiatives, and it is the opportunity still in front of us that truly excites me. In thinking about our future, we still only have a 3.8% share of the AUD 670 billion card present and card not present market in Australia, and that's despite lifting the transactions executed in our platform last year by 26%. Before delving into our FY 2021 financial results, I'd like to spend a few minutes explaining why Tyro is perfectly placed to provide a much-needed alternative to the traditional incumbents. We're a technology-focused and values-driven company providing payment solutions and complementary banking products. We exist to set businesses free to get on with business by simplifying their payments and banking. We do this with a DNA that is fundamentally different to the rest of the pack in a number of important ways. Most significantly, we have a long and successful track record in payments in Australia. Having established our payments operation some 18 years ago, producing deep payment domain knowledge and expertise with a proprietary payments technology platform. We applied for and were granted an unrestricted Australian banking license six years ago. We were the first new local banking entrant in a decade. We've always had a plan and a determination to establish a payments and banking solution purpose-built for Australian businesses, particularly in the long-neglected SME segment. Our ability to solve the friction points in payment stems from being a tech-driven enterprise with approximately half our team being technologists. Significantly, our plan has always been to stay niche and nimble with a payment centricity, designing banking and other value-added services around our payments core. It is these attributes in combination that enable us to provide a simply better solution for Australian businesses. As I'm sure you know, we have strong growth ambitions, and despite the disruption COVID causes and many of our merchants, we continue to successfully execute against our plan for the year. In this regard, there's seven key call-outs I'd like to highlight to you today. Firstly, as David mentioned, the transformational Bendigo Bank alliance. This is a key initiative for the team this year. It's added more than 18,000 new merchants to our portfolio and around AUD 5 billion in annualized transaction value. Partnering with Bendigo Bank sees our leading proprietary payments platform becoming available to Bendigo Bank's current and future customers. It gives these customers access to more features, more payment options, and seamless integrations to more than 320 point-of-sale systems. Under our long-term collaborative and strategic alliance, Bendigo Bank continues to provide all other banking services to these customers. This is a great example of two Australian customer-focused organizations coming together to provide better solutions for Australian businesses through a partnering of capabilities and expertise. We welcomed the 20-person Medipass team to Tyro in May. Medipass integrates with 18 cloud-based practice management systems and has approximately 1,700 active healthcare merchants working with it. Medipass complements, with limited overlap, the approximate 9,500 merchants in Tyro's health vertical, along with the 52 practice management systems that currently integrate with us. This combination provides Tyro's health merchants greater claiming and payment capabilities, extending beyond Tyro's private health insurer and Medicare Easyclaim options to now include a range of state and federal-based compensatory funders. Our acquisition of Medipass is a significant step in building out Tyro's core health vertical. The approach taken is consistent with our strategy to build our offering through acquisition, where there's a distinct opportunity to gain scale and enhance our segment position. By combining Medipass' platform with our existing card-present health offering, we can provide a simple, unified solution to healthcare practitioners for payments and claiming. We continue to invest in our Tyro Connect integration hub, which, among other things, is providing unique data insights to some of our merchants on the Connect platform. Having launched in the year, Tyro Connect is going from strength- to- strength. In today's competitive and tech-enabled environment, merchants can find themselves having to juggle many different apps in order to meet customer expectations and to manage day-to-day tasks. Tyro Connect enables hospitality businesses to easily integrate and more effectively use the apps they need to thrive. The team at Tyro Connect is piloting a new partnership with Hubster, which will enable us to make leading ordering apps available to our merchants and point-of-sale system, a new management builder, which allows our merchants to build and manage their menus with Tyro and then publish them to all their delivery partners, saving them from having to update their menus in all the different systems they operate in. Turning to e-commerce, we started to provide the in-app payment solution for the leading tap order and pay platform, me&u, using our e-commerce capabilities. me&u enables customers to view menus and to order and pay for meals via their mobile phone. In December 2019, we made a 16% equity investment in me&u for AUD 3.5 million, which also provided us with the right to be me&u's exclusive in-app payment provider. This innovative solution found particular relevance as a result of COVID, but beyond that, it improves the customer experience. It frees up wait staff and increases order value and frequency. Me&u is a foundation app on Tyro's Tyro Connect platform. In June 2021, me&u commenced migrating their in-app payments to Tyro's e-commerce platform, and this activity will continue progressively throughout the year. On the banking front, Tyro was one of the first non-major banks to become an active data holder under the Consumer Data Right or open banking in June 2021. Open banking seeks to provide a safe and secure way for customers to share their data between accredited organizations to enable easier comparison of financial products and providers. It will provide a single view of accounts across banks, and it will streamline application processes. In December 2020, we made a 20% equity investment in Paypa Plane for AUD 1.9 million. The intent of this investment being to expand the payment solutions we offer merchants by integrating Paypa Plane's innovative recurring payments functionality into Tyro's bank accounts. This functionality being of particular relevance to merchants operating businesses such as childcare centers, gymnasiums, and subscription-based services. As David mentioned, though, our number one priority in the second half of the year was to do all that we could to rebuild the trust with those of our merchants who were impacted by the connectivity issue we experienced in early January. Our efforts here have been effective and have been focused on doing the right thing. The pleasing result of these efforts has been the absence of noticeable increase in merchant churn, together with merchant application numbers returning to record highs, and I'll touch on that a little bit later on. The issue definitely negatively impacted our Net Promoter Score, which was a + 43 before the event. Our NPS fell at the peak of the event to a low of - 25. However, it has improved every month since January, such that we ended the year at + 21. Pleasingly, our NPS is currently at + 47, so higher than where we were before the event. Our remediation program for those merchants financially impacted by the event has been well received. All financially impacted merchants were invited to register with Tyro to enable remediation claims to be assessed. As of 31 October, we've settled claims with approximately 93% of those merchants who had sought re-remediation. Our remediation process remains available for financially impacted merchants, and is designed to provide a fast, fair, and straightforward resolution and avoid the unnecessary incursion of legal and mitigation funding costs, and also avoid the inevitable time delay and uncertainty associated with legal process. We remain fully committed to this approach, notwithstanding the class action. Moving now to our financial performance for FY 2021. As David mentioned, COVID continued to impact our performance as state and territory governments variously implemented lockdowns, which forced many of our merchants to either partially or completely close their operations. Nonetheless, we achieved strong results in the year. Our payments operation processed AUD 25.5 billion in transactions on behalf of our merchants, an all-time high and up 26% on the prior year. This included close to half a billion dollars from our Bendigo merchants who started contributing from the 1st of June. We significantly increased the number of merchants trusting us with their payment requirements with just over 58,000 merchants working with us at the end of the year, which is stable merchant retention metrics at comparative low levels on an industry basis when you consider the segments we serve. Transaction value churn remained relatively constant at 8.7% compared with 8% in the prior year, and our merchant number churn decreased from 11.3%- 11.3% from 11.7% in the prior year. Again, very good performance there. Our merchant cash advance loans returned to strong growth in the latter part of FY 2021 as we switched back to an automated loan approval process. This followed a period of manual approvals where we mitigated risks inherent due to the COVID volatility. We wrote AUD 25.8 million in loan originations in the year, of which close to AUD 20 million was achieved in the last quarter of the year. Our risk-based management of our loans during COVID, together with many merchants as businesses rebounding following the initial lockdowns, saw our loan loss rates remain well within our risk appetite. Loan losses as a percentage of originations at 30 June amounted to 2.7% or AUD 700,000, and that compared favourably against 1.8% or AUD 1.1 million in the prior year. Our fee-free interest-paying bank account and term deposits now have over 4,600 active merchants, and that's a 26% increase on last year, with AUD 75.5 million held in deposits, compared to AUD 50.5 million in the prior year. We lifted our revenues 14% to a new record, AUD 238.5 million. Even more impressively, we lifted gross profits 28% to a new high of AUD 119.4 million. Our operating costs were well controlled, lifting 7.9%, excluding the costs associated with the terminal connectivity issue and M&A project costs. We recorded a positive EBITDA of AUD 14.2 million, compared with an EBITDA loss of AUD 4.4 million in the prior year. That result implies an EBITDA margin of 12%, demonstrating operating leverage from scale in the year. Our statutory net loss after tax was AUD 29.8 million, after accounting for AUD 13.3 million in costs associated with the connectivity issue and AUD 5 million in costs associated with the IPO, the Bendigo transaction, and the Medipass transaction. Excluding the impact of these one-off costs, net profit before tax on a normalized basis was a loss of AUD 10.9 million. We continue to maintain a balance sheet that positions us well for our growth ambitions. Cash, cash equivalents, and financial investments available at 30 June 2021 total AUD 172.8 million, compared to AUD 188.3 million in the prior year. Total regulatory capital at 30 June 2021 was AUD 83.7 million, with a total capital ratio of 73%. Tyro has always held sufficient capital to meet its internal targets, which are above APRA's prudential capital requirements. Total CapEx expenditure for FY 2021 was AUD 23.1 million compared to AUD 11.9 million in the prior year, and in the main, comprised terminal purchases and investment in software. It is definitely an exciting time to be at Tyro. We've achieved a lot in the last year, but it's the opportunity in front of us that remains large and exciting. We have a mix of features and products in train that will continue to build on our payment centricity, and it'll build out our ecosystem. Products such as the Tyro Go terminal, which will open up new verticals such as trades and micro-merchants and provide a queue-busting solution for larger retailers. We are also assessing our next-generation terminal, which presents some exciting opportunities, including MPOS capability. We're looking to expand our merchant cash advance product to make it available to a wider cover of Tyro merchants with larger advances available. In health, with the Medipass digital claiming capabilities, including state and federal compensation funds, we have an opportunity, in combination with our existing solutions, to create a leading unified claiming payments platform for Australian healthcare practitioners. We've also created IP, both technical and commercial, in creating our payments alliance model for Bendigo Bank, which has potential application to other market opportunities. This is an area we remain keenly interested in exploring. In this regard, we have a current pilot in operation with Telstra that includes 29 of its retail locations, where business customers can view and sign up to Tyro terminals. We also have an appetite for bolt-on acquisitions, whether large or small, which present an avenue to gain scale, leverage our platform or capabilities, enhance our market position, or supplement our ecosystem. In terms of outlook, while we're not providing specific profit guidance for FY 2022, I do take this opportunity to highlight a few of our key trading stats, noting these data points are unaudited. We averaged over 1,200 new merchant applications per month for the first four months of this current financial year. Our transaction value to 29 October 2021 grew 25% to AUD 8.97 billion, compared to AUD 7.16 billion for the same period last year. Impressively, transaction value is up 46% since New South Wales came out of lockdown on the 11th of October. Our e-commerce transaction value for the year to 31 October 2021 was AUD 178.6 million, up 1,848% on the prior corresponding period. Loan originations to 31 October 2021 were AUD 20.6 million, up more than 1,400% on the same period last year. Deposit balances at the end of October 2021 were AUD 97.7 million, compared to AUD 91.2 million at 31 October. Group gross profit at 31 October was AUD 38.5 million, up 14% on the comparative gross profit in the prior period. In closing, I'd like to thank my excellent team at Tyro and formally welcome the Medipass team to the Tyro family. Without the team's commitment to the cause, sheer hard work, and desire to make payments and banking better for Australian businesses, none of what we've achieved would have been possible. I'd also like to thank the Tyro board members, both past and present, for their support over the close to four years. Thanks for listening, and back to you, David. Thanks, Robbie. That was a very extensive business update. I think you'd appreciate, just listening to Robbie, there's a lot happening across the business, and we do have an exciting plan ahead of us, but, you know, still a long way to go. Now it's time to turn to the formal business of the AGM. These items for business, which, obviously were included in the notice of meeting, which we sent out to shareholders, cover seven ordinary resolutions that we require more than 50% majority vote to pass by shareholders. We, you know, are very grateful for those that are entitled to vote. As we move through the voting for these resolutions, if you have any resolution-specific questions, we will endeavour to try and cover them as we address each resolution, 'cause that sort of keeps us in an orderly process. After the consideration of the above five resolutions, we're gonna move to general questions that shareholders may have, and you can ask any questions of Robbie, Prav, or Jay or anyone else. But before I go there, I am required to, again, take you through the voting process prior to putting all these resolutions to you. As you will know, Link Market Services, which is our share registry, is conducting the voting by poll. Nicholas O'Hagan will act as our returning officer. He's doing a great job. Votes will be counted after the end of the meeting with the results of the voting, which will be published on the ASX and also on our investor relations website, you know, tyro.com, after they're made available. Shareholders or their duly appointed proxies can cast their votes using the online voting cards after validating their online registration. As I said before, to obtain a voting card, please go to the bottom of the Tyro AGM webpage that you're currently on under the webcast, you know, area there, and there there's those three boxes. To register to vote, click on Get A Voting Card button. Now, if you're an individual or a joint shareholder, you need to register and provide validation by entering your details at that top section of the voting card, which includes the, your shareholder number, your SRN or your HIN, and of course, your postcode. If you are an appointed proxy, please enter the proxy number issued to you by Link in the proxy details section. Once you've entered your appropriate details, click the Submit Details and Vote button. It's quite a process, isn't it? Once you've registered your voting card, set out in the notice of meeting shareholders and proxies, you can either submit the full vote or the partial vote. If you're intending to vote, you're gonna be able to finalize and submit your votes on any of the five resolutions put to you at this meeting, up to five minutes after, you know, we've closed. If you don't get in on the 10-second period that I allow you to vote, you've still got five minutes. With regard to proxy votes, the number of proxy votes received prior to the meeting will be shown on the slide, relating to each resolution. Shareholders have appointed me as Chair of the meeting to vote on their behalf for approximately 215 million shares, voting either for, against, or with discretion for every resolution, as indicated in the proxy form and in the notice of meeting. My intention as Chair is to vote in favour of each resolution for all discretionary or undirected proxies held by me. Now we come back to the financial report, directors' and auditors' reports. As I mentioned before, while there's no resolution required in relation to these reports, I would now like to invite shareholders and their proxies to comment on or ask any question in relation to these reports or the group's business. Questions also can be asked of our auditors, Michael Burn, in relation to the conduct of the audit, the content of the audit report, the accounting policies adopted by the group, and the independence of the auditor in carrying out the audit. I think that's everything. If there are any comments, questions in relation to these matters, I'm gonna pause for 10- seconds while I ask Giovanni to see if there are any questions. Just give you 10- seconds. 10- seconds always seems like a long time in these meetings. Giovanni, are there any questions at all? No questions received at this time, David. Thank you for that. We'll move right along. Please do, if you have any questions, to stop us. Let's move to the first resolution relating to the adoption of the remuneration report for full year 2021. That can be seen on your screens now. As indicated, I intend to vote all undirected and discretionary proxy votes held by me in favour of this resolution. The group's remuneration report for the 2021 year forms part of the overall Tyro annual report, and it's of course available on the website. It outlines the group's remuneration strategy, our practices, deals with details of specific remuneration arrangements that apply to KMP's key management personnel in accordance with the requirements of the Corporations Act. As required by that act, also the board presents the Remuneration Report to shareholders for consideration and adoption. It is a non-binding vote, but I do wanna say the vote on the adoption of the Remuneration Report is advisory, but we take it very seriously. While it doesn't bind us, we really do wanna hear your feedback. As we have gone around speaking to various investors, we've had some really good feedback. It is an important part of what we do in terms of determining our remuneration structures going forward. Before we put this resolution to shareholders, I'm gonna ask Fiona Pak- Poy, who has so admirably chaired the Tyro People Committee, to provide a summary of the remuneration framework in place for 2021 and also the key remuneration outcomes. Fiona, over to you. Thanks very much, David. I'm very pleased to present our FY 2021 remuneration report to shareholders, this being my first as chair of the People Committee. Firstly, I would like to reiterate David's earlier comments and thank Cathy Harris for her tremendous contribution to the board, but particularly for the work that she did in putting in place a robust people committee and remuneration structure that positions Tyro and our team well for the future growth. Hi, Cathy, if you're listening, we're all gonna miss your expert guidance. FY 2021 was a challenging year for Tyro on a number of fronts, and it won't be a surprise to any of you that the two greatest challenges we face as a company, and as David described earlier, COVID-19 and the terminal connectivity issue, also had the biggest impact on our people as well as our merchants. However, we as a board and People Committee are very proud of the way our team dealt with the events in the most challenging of circumstances. We believe that we have exited the year stronger organizationally, having successfully navigated the challenges that came our way. Another major challenge we faced from a people perspective in FY 2021, and continue to do so, was the hyper-competitive talent market in which we find ourselves competing, which was only made worse because of border lockdowns. This has had a direct impact on the retention of existing Tyro team members and also attracting new talent to Tyro. After no fixed annual remuneration increases were provided to any of our employees for the previous 18 months prior to January 2021, due to the impact of COVID-19, an average increase of 4.4% across the company was implemented with effect from January 2021. Tyro received AUD 4.5 million in JobKeeper payments for the three-month period, 1 July to 13 September 2020, after which we ceased receiving any contribution from this federal government assistance scheme. These JobKeeper assistance payments were very important in what were such uncertain times, allowing us to retain our full complement of employees on board throughout FY 2021, enabling us to assist our merchants through the many and varied challenges they faced due to COVID itself, but also the associated trading restrictions, particularly in the hospitality and retail sectors. The next two slides are quite detailed, so I'll just highlight a few salient points. The new short-term incentive plan was introduced in FY 2020 and amended in FY 2021 to better align the strategy of Tyro to performance, both for financial and customer performance issue measures. The plan was also extended to a greater portion of the Tyro team to assist in retaining key talent and importantly, also attracting new talent to the team. The overall FY 2021 STI outcome came in at 89% of target, with no incentive paid on the customer satisfaction metric component, which represented 10% of the total STI plan. As Robbie mentioned earlier, the customer satisfaction metric that we use is the Net Promoter Score, commonly known as NPS, which is essentially a measure of how likely customers are to recommend your service to others. The board set a target score for Tyro to achieve an NPS of 43. Due to the impact of the terminal connectivity issue, we achieved an NPS score of just 21. Disappointing, but probably understandable given the impact that it had, and significantly lower than where we'd have liked to be, which resulted in this part of the STI component not being achieved. Pleasingly, as Robbie mentioned and showed the graph, our NPS is now on a very strong upward trajectory. The FY 2021 long-term incentive plan was made available to 43 employees comprising the executive KMP, the ELT, and key employees identified by Robbie and the board. Performance rights were granted in February 2021 to these employees, with vesting based on the achievement of EBITDA and gross profit performance terms. This plan is not due to be tested until FY 2023. We also introduced two new LTI plans in FY 2021. As mentioned earlier, we find ourselves in a hyper-competitive talent environment in Australia, particularly in the tech fields. To help address this situation, we've implemented, sorry, a number of retention strategies, including remuneration increases and improved STI plan and other improved employee benefits. For example, increased parental leave. However, to reinforce our retention initiatives below executive KMP and ELT level, a new one-off FY 2022 LTI retention plan has been put in place utilizing long-term equity grants in the form of service rights, with vesting taking place in three annual tranches that will commence in FY 2023. We are committed as a board to continuously reviewing the effectiveness of our remuneration framework, and we always welcome your feedback on our remuneration report. Following the engagement that we have with stakeholders in FY 2021, changes were made to our remuneration framework and report to address the feedback that we received. In closing, I'd just like to thank all our team members for their strong performance, dedication, and loyalty in FY 2021, which was an extremely challenging personal and professional year for all of us. I'd also like to thank our external stakeholders for your feedback and look forward to our continued engagement with those of you participating in today's AGM and those of you unable to attend this call in FY 2022 and beyond. Back to you, David. Thank you. Thanks, Fiona. Again, a really good summary. My thanks to you for chairing the committee. I do just want to say, you know, it's so important for us to align remuneration structure with the interest of shareholders. In a COVID world and with some of the challenges, you know, it is difficult, but that is our intent, and then exercising good judgment on that. There's due recognition of the environment in which they're working. With that, let me just ask, are there any comments or questions in relation to the remuneration report? I'll give it 10- seconds and then see if there's any questions. I'll take that as none. Giovanni, have we received any questions? No questions received at this time, David. Okay. Thanks, Giovanni. I will now propose resolution one as set out in the notice of meeting to be put to a vote, and I invite shareholders to cast a vote for this resolution. I'm gonna pause for 10- seconds while you vote, and then we'll move on to resolution two. Okay. As I said, you've got five minutes to lodge your vote if you haven't already. Let's move on to the second resolution, and that relates to the retirement by rotation and re-election of our director, David Fite. And that it can be seen on your screen now. As indicated, I'm gonna vote, or I'm directing the discretionary proxy votes held by me, in great favour of this resolution. You know, the ASX listing rules provide that a listed company must hold an election of directors at each annual general meeting, and accordingly, David Fite is elected to retire and then offer himself for re-election. In accordance with good governance principles, your directors have been required to consider whether they wish to recommend the election or re-election of the retiring director. This consideration did take place in the absence of the director standing for re-election. I'm pleased to say that your directors unanimously recommend the re-election of David as a director. I am gonna ask David to say a few words about himself and the skills and the great expertise that he brings to our board. David, over to you. Okay. Well, thank you, David, and hello to all. Thank you for joining the AGM, and thank you for your support of Tyro. I'm sure that if we were in a room together, I would know and recognize many of you. For those of you who I don't know, I'd like to introduce myself and share some of my background. In brief summary, I'm a reformed banker and now a long-term investor in fintechs. Let me explain that maybe in more detail, if I might. I moved to Australia in 1994, actually from Bankers Trust in New York, joining Westpac to help with its turnaround when it was having a number of issues related to the recession at the time. At first I was treasurer, then I ran all the financial services businesses, and finally I was the group executive in charge of all retail and business products. I continued my banking career after Westpac, moving to Japan, to join another bank in financial strife. The bank then called the Long-Term Credit Bank of Japan, which we renamed Shinsei. There as the senior corporate officer, CFO, member of the board, I basically oversaw all of the businesses from retail all the way through to institutional. I've also served on the board of a few other banks, one in Taiwan, Cosmos Bank. In each of those roles, I was involved in SMEs and across a range of business areas, including payments, lending, and deposits, importantly for our purposes. Post the banking career, now for well more than 15 years, I've been an investor in financial services companies. Indeed, when I started, the term fintech hadn't even come into common usage. You know, for example, I first spoke with Tyro in 2005 when it was only two years old. I invest in early-stage companies as well as later-stage companies which are growing quickly. Much of my focus is on companies which solve problems for SMEs. I've been involved in Australia in a number of businesses related to lending to small and medium enterprises. One of them, for example, is Judo Bank, which some of you may be familiar with, where I served as a director until recently when I just stepped down. I think in the notice of meeting, it has me listed as a director, but that's now out of date as of last week or so. The businesses I invest in and support in include companies in payments, lending, insurance, and marketing. Pretty wide gamut, but most of them having to do with small enterprises as the ultimate customer. Now, I became involved in Tyro formally in 2008 when I became an investor. I was attracted by its mission to help provide a better merchant acquiring service to SMEs, basically using technology as a competitive advantage. I knew firsthand from my experience at Westpac, where I'd been, you know, the group executive with responsibility, which covered merchant acquiring and products for SMEs, that these businesses were not getting properly served. I was attracted because Tyro was setting out to change that by bringing innovation to payments. Today, Tyro continues that work. You've heard earlier in this meeting about a bunch of the innovations which are going on, and that's absolutely core to the mission of the company. It's an important task for the economy as well because the SMEs, as we know, basically employ the majority of people. Tyro is also increasingly helping larger enterprises. The mission today is just as appealing to me as it was when I first got involved. I was privileged to join the board in 2018. I hope in the three years since then I've been able to contribute on governance, risk management, scalability issues related to the work I'd done as part of big banks. I also hope that I've contributed with perspectives on technology, product development, and growth strategies from my participation in the fintech ecosystem. I'd like to continue to contribute to Tyro in any way I can. Thus today I stand for re-election as a director. I appreciate your consideration of my election. Thank you. Thanks, David. You know, I think you can tell that David just has enormous experience that is so valuable to your organization. Let's just now pause for any comments or questions concerning the re-election of David as a Non-Executive Director. I will pause for 10- seconds to see if there's any questions at all. Okay, Giovanni, have we got any questions at all? No questions at this time, David. Okay. Well, I will now propose resolution two as set out in the notice of meeting to be put to a vote. I invite shareholders to cast their vote for this resolution. Again, I'm gonna pause for 10- seconds and then we'll move on to the next resolution. Okay, let's move on to the third resolution, and it's concerning the retirement and re-election of Fiona Pak-Poy. That can be seen on your screens now. As indicated, I'm gonna vote all the underwritten discretionary proxy votes held by me in favour of this resolution. I do just want to say that clause 47A of the company constitution provides the director must retire from office no longer than the third annual general meeting of the company or three years following that director's last election appointment. The requirement will result in more than half the directors retiring, standing for re-election in the 2022 AGM. Just to try to manage this a little bit better, we thought we should just have an orderly rotation process. Fiona Pak-Poy intends to retire and then nominate herself for re-election so that we're not sort of backing up a number of directors and we get continuity in the board and skills. Let me throw to Fiona again, to ask her to say a few words about herself and her experience that she brings so valuably to the Tyro board. Over to you, Fiona. Okay. Thank you. Firstly, I'd just like to say that it has been a real pleasure to serve on the Tyro board for the last two years since shortly before its IPO in 2019. Unlike David Fite, I am not a banker, definitely. However, like David Fite, I have known about Tyro for a long time. First introduced to it when it was originally MoneySwitch back in, maybe even earlier, 2003 or 2004, when we looked at investing in it on behalf of the fund I worked with. Over these years, I've had a distant relationship, I guess, with it, but I've been, particularly the last few years, very excited to witness its development to the impressive company that it is today. Originally, I started life as an engineer, then a strategy consultant, venture capital investor, and my experience has therefore long been a portfolio one. I have been involved as an investor, advisor, director in smaller tech start-ups to large, private and also publicly listed companies like Tyro and formerly media intelligence company Isentia and MYOB, although these are all spread across a number of different industries. In addition, I've been a member of the Federal Government's Board of Innovation Australia and many of its associated innovation committees, on the board of many other entities like the Board of Sydney School of Entrepreneurship and a university tech transfer office for many years. This variety, these rich and varied experiences with a number of innovative entities, have provided me with what I trust is a sound and balanced perspective in which to consider the risks and opportunities that Tyro faces, enabling me to assist my fellow directors with governing Tyro in what I believe is the best of breed manner, while helping guide management and still fostering the entrepreneurial and innovative spark in which Tyro was founded. As Robbie described earlier, niche and nimble, which I like. As a member of the Risk Committee, a former member of the Audit Committee, and now Chair of the People Committee, I am constantly building my understanding of what makes Tyro tick. I'm extremely fortunate and indeed grateful to be digitally flanked here today by such talented fellow directors. A well-functioning board is indeed a team game, and I'm honoured to play a part in our collective endeavours. It's been wonderful working with Hamish, and I wish you well. David, it would be my pleasure to continue to serve on the board of Tyro Payments. Thank you. Thanks, Fiona. Let me just, you know, reaffirm just how great it is to have Fiona on board. She's got a great intellect, and she has picked up the cudgels of Cathy Harris with a great customer advocacy as she came to the board this morning, having visited three, you know, small merchants, well, actually quite large merchants down in Coogee and asked how things are going, which she got told. It's really great to have Fiona on the team, and we really appreciate it. Let me just pause. Are there any comments or questions in relation to Fiona's re-election? I do request her re-election, and I'm gonna pause for 10- seconds to take any questions. Turn on my timer. Okay, Giovanni, any questions? No questions at this time, David. Okay. I'll propose resolution three as set out in the last meeting to put to a vote. I'm gonna invite y'all to cast their vote for this resolution. Again, I'm gonna pause for 10- seconds, and then we'll move on to the next one. Okay, I'm gonna keep us moving. Okay, resolution four. This relates to the retirement and re-election of a director, and this is Aliza Knox. You can see it on the screen now. As I have indicated, I'm gonna vote in favor of this resolution. I do just want to say that, under the resolution, we have the option to fill a casual vacancy, and that's what we're doing. You know, as long as we don't exceed the maximum numbers specified in the Constitution, so we're well within that. We're putting Aliza up for re-election pursuant to the Constitution. She was appointed in April. She's already made a good significant contribution, but she does need to retire and re-nominate herself. Let me now throw to Aliza to say a few words from Los Angeles. I should say it's 10 P.M. there, right, Aliza? Yes. You're doing pretty well, you know, bright-eyed. Over to you. Well, thank you, David. As we all know from being in Australia, often it's we who are on the short end of the stick at midnight or 2 A.M. It seems fair that I should do it while traveling, which is a foreign concept only recently returned. I've really had a terrific experience so far since April, been part of the Tyro board, and I'm delighted to be able to contribute in some small way to what is already an incredibly strong board and management team. I'm grateful for your show of support of voting your shares, David. My background briefly, having come from tech, I've now divided my life into software releases. My 1.0 release early career was a long stint at the Boston Consulting Group, mostly in Sydney and then in Singapore. Working at financial services firms, which include American Express, Visa and Schwab, at all of which I had some interaction with payments, particularly Visa and Amex. My second iteration was tech. I ran part of Google, then all of Twitter and Cloudflare for Asia, stepping down from my full-time role on December 31 of last year. Part of the Google time included Google Wallet as well. Really with that part of my career was the exposure to digital and scaling growth tech firms. Hopefully those two, in some ways different careers, the financial services and then the growth tech, work together to help me have a background that adds value to Tyro. For the last 10 years, I've also been on a number of public company boards, including InvoCare and then Scentre Group in Australia. I've stepped off both of those and was delighted to be asked to contribute to Tyro. I'm honoured to serve so that I can continue to help Tyro along its path of scaling. Great. Thanks, very much, Aliza. We lost you just a little bit at the end. As I said to Aliza. No, no, don't worry. It was just the last bit. Well, we won't talk around third world countries in the United States, but, you know, you know, we understand the challenges of infrastructure. She wasn't on a Telstra network, I'm sure. Anyway. Okay. We should now. Look, thank you. I would quickly say, you know, Aliza has really brought, you know, her sharp mind, her insightful comments, her strategic thinking to the board in the period she's been, you know, remotely visiting us again. While we did meet Aliza personally before, COVID hit, she's really been amazing the way she's just sort of stepped in. Let me just now pause in case there are any comments or questions in relation to her re-election. Again, I'm gonna pause for 10- seconds while we go through this, or maybe seven seconds. Okay. Giovanni, we got any questions? No questions at this time, David. Okay. I'm gonna keep going 'cause I will now propose resolution four as set out in the notice of the meeting and put it to vote. I invite shareholders to cast their vote on this resolution. I'll then pause for 10- seconds, then we'll move on to resolutions five, six and seven. Just pause for a moment. Remember, you've got five minutes to lodge your vote. Okay, I'm gonna keep going. Moving on to the fifth resolution relating to participation by a director in the Remuneration Sacrifice Rights Plan. That can be seen on your screens now. As indicated, I intend to vote all the undirected and discretionary proxy votes in favour. You are being asked to approve this resolution to allow remuneration of sacrificed rights and any shares issued on the conversion of those sacrificed rights under the Tyro Payments Limited Remuneration Sacrifice Rights Plan. This is to do with Aliza as a director of Tyro. Shareholders resolved in the 2020 AGM to allow sacrificed rights and any shares issued on the conversion of those sacrificed rights under this program for a period of three years from 27th of October 2020, being the date of the last annual general meeting. This plan enables non-executive directors you know the ability to purchase shares in the company due to the operation of the Australian Securities Trading Laws and the Group's focus on good corporate governance to invest in the company. NEDs may voluntarily elect to sacrifice up to 100% of their fees into the Sacrificed Rights. Elections are made on an annual basis, and that's why we have to bring it to you. Sacrificed Rights are allocated shortly after the publication of the Annual Report. Of course, subject to shareholder approval based on the fees sacrificed for the year, they vest and convert into ordinary shares shortly after the end of the financial year, subject to compliance with the Group's securities trading policy. That's important. We sort of just ask your approval, and we're open to any comments or questions in relation to this. As you know, a number of the directors have availed themselves of this opportunity. Let me pause for 10- seconds, or seven seconds and see if we have any questions or comments on this one. Doesn't look like the average. Giovanni, anything come through? No questions again, David, unfortunately. Okay, that's okay. Let's now propose resolution five as set out in the notice of the meeting and put it to vote. I invite shareholders, you know, to cast your vote for this resolution. Again, I'll pause briefly, and then we'll get on to the granted service rights for the Managing Director. Okay, let's move to the sixth resolution. Which is, as I mentioned, it's the granted service rights in relation to the 2021 short-term or STI plan to the CEO and Managing Director, Robbie, that can be seen on your screens now. As indicated, I'm gonna vote undirected and discretionary proxy votes that I hold in favour of this resolution. Shareholders are being asked to approve resolution six to allow service rights and any shares that may vest following the conversion of those service rights under the incentive plan to be issued to Robbie. Are there any comments in relation to the grant of these service rights? Again, I will pause for 10- seconds while to determine if there's any questions. Okay, Giovanni, anything there? No questions, David. Okay. We're getting near the end. I've enjoyed myself. I will now propose resolution six, as set out in the notice of the meeting, be put to a vote. I invite shareholders to cast their vote, on this resolution. I'll pause for a further 10- seconds, and then we'll go to the last resolution, and then we'll go to chair's general Q&A, of course. Okay. Moving to the final resolution. This relates to the granted performance rights in relation to the 2022 LTI, long-term incentive plan, for our CEO and Managing Director. It can be seen on your screens now. Again, as I've indicated, I'm gonna vote, in favour of this resolution. Shareholders are asked to approve resolution seven to allow performance rights and any shares that may vest following the conversion of those performance rights under the incentive plan to be issued to Robbie. That's all laid out in the notice of the meeting. Are there any questions or comments at all on this? I'll wait a few moments, and then we'll go to the general Q&A session. Giovanni, any questions? No questions received, David. Great. I've gotta say, I'm looking forward to being in the same room with everyone. Okay. I now propose resolution seven as set out in the notice of meeting and put to a vote. I invite shareholders to cast their vote for this resolution. I'll pause for a few seconds while you do that, and you got five minutes, and then we'll go to the general Q&A in case there's any general questions. Okay, and you've got five minutes if you need to tidy anything up. That now concludes the formal part of the meeting, and I'd like to now move to general Q&A. That usually is a good time. Giovanni, have we got any questions at all that we received? I just remind shareholders that you can ask through the dial-in facility if you'd like to, and there is a voice option, and that's in the AGM meeting guide. Any questions at all, Giovanni? No questions at this stage, David. I think we should put a resolution that we must have a face-to-face meeting next year. I think it would be unanimously carried. I'll wait a few more seconds. It's interesting. My script says thank you for all your questions. I think I'll just cut that bit out and I think I'll say thank you for coming. Look, I just wanna finish by saying that, you know, we really appreciate your support as shareholders and, you know, we have these annual general meetings 'cause they're important, but we're always open to any thoughts, questions, dialogues, and Giovanni is very good at covering it. You know, we are a company that, you know, really does want to, you know, have strong governance but be open and transparent. I think you've seen that with the way we've published transaction volumes every week through this whole period. You know, we have a lot to do. You know, we've still got incredible opportunity, but we really do appreciate your support, and we think that this is a wonderful company with great opportunity. We thank the management team for all they've done, and we're looking forward to another, you know, exciting year going forward. I do remind you if you haven't voted, you still got five minutes, I think, after I close the meeting, to lodge your comments. On behalf of my fellow board directors, I do thank you, our very loyal shareholders. We thank you for being at the meeting today, and you know, I look forward to next year. We've gotta have a face-to-face meeting. I could say we're going to do it, but I might be a bit brave 'cause you just never know what's gonna happen. We do look forward to seeing you and, as we go forward. I now declare the AGM closed. Thank you very much.