Good morning. My name is Jerry Howell, and I will be your conference operator today. At this time, I would like to welcome everyone to the Carebook Third Quarter 2023 Results Conference Call. All lines have been placed on mute to prevent any background noise. Please take note of this notice with regards to forward-looking statements. The company will make forward-looking statements on their call today that are based on assumptions, therefore subject to risks and uncertainties that could cause actual results to differ materially from those projected. Carebook undertakes no obligation to update these statements, except as required by law. You can read about these risks and uncertainties in the company's press release this morning, as well as in their filings with Canadian regulators on SEDAR+. The company will also make reference to certain non-IFRS measures and key performance indicators on their call today. These measures are not standardized financial measures under IFRS and do not have a standardized meaning prescribed by IFRS. They're therefore unlikely to be comparable to similar measures presented by other companies. Rather, these measures are provided as additional information to complement those IFRS measures by providing further understanding of results of operations from management's perspective. Accordingly, these measures should not be considered in isolation or as a substitute for analysis of the financial information reported by the company under IFRS. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star and then the number one on your telephone keypad. If you would like to withdraw your question, press the pound key. Thank you. Michael Peters, CEO of Carebook Technologies, you may begin your conference. Thank you, operator, and good morning to all of you on the phone and on the webcast. Welcome to Carebook's Third Quarter 2023 Results Call. With me this morning is Olivier Giner, our Chief Financial Officer. On today's call, I will take you through our highlights for the quarter and discuss our outlook going forward. Olivier will take you through our third quarter numbers and discuss finance-related subsequent events, and then we will open it up for questions. We continue to execute our business plan. During the 9 months ended September 2023, we completed the implementation of several key accounts and helped our clients onboard a significant amount of users, broadening our footprint in the employer vertical and confirming the strong demand for health and wellness services continues to exist. This expansion of our licensed user base translated into sizable revenue growth in the quarter. We were also successful in implementing our cost reduction strategy and finding further efficiencies within our cost structure during the quarter, thereby improving our margins and operating cash flows. For the first time in our history, we were able to deliver positive Adjusted EBITDA for a quarter. I will walk you through a few notable wins which illustrate our overall success so far this year. The company signed CAD 4.4 million in additional contract value during the first nine months of the year, and also closed a significant customer agreement at the beginning of Q4, which will impact positively on 2023 and future years. Beginning with our pharmacy solutions, on April 21st, Carebook further expanded the scope of work with its core client, adding another CAD 1.6 million in contract value. Production for this new statement of work effectively started on June 1, 2023, and positively impacted our results in the second and third quarters. Regarding the employer segment, on July 19, CoreHealth announced further details regarding a significant contract extension with AG Health Partner, confirming that the CoreHealth platform was made available to an additional 550,000 eligible members, most of whom are employees working for clients of AG Insurance, the parent company of AG Health Partner and a market leader in Belgium. The expanded license agreement between CoreHealth and AG Health Partner is a testament to the successful partnership between the two organizations and the suitability of the CoreHealth platform to serve a diverse array of employers, including those employers who have chosen to offer their employees wellness benefits through major insurance programs. CoreH ealth has rapidly established itself as a leading provider of innovative technology solutions that seamlessly connect employees and member populations to their well-being programs. CoreH ealth's market-leading customization capabilities ensure that organizations can create unique well-being initiatives and programming to meet the specific needs of their employee populations, ultimately driving long-term success and employee satisfaction. In the employer segment, we want to highlight that over and above our normal course implementations, just in this quarter, we helped new clients add over 900,000 licensed users in addition to their contractual minimums, which directly impacted revenue positively for us. These value-added resellers act as distribution partners for us and have been incredible partners driving user adoption and organic revenue growth. The strong demand for health and wellness services that target the employer market has continued to grow and validates our strategic decision to emphasize this market as a means to accelerate our growth for the future. Our third quarter results reflect a positive trend in the employer vertical as we benefit from the successful integration of our acquisitions of InfoTech and CoreHealth and the implementation of new clients won in the employer vertical. Our continuing announcements of major wins with tier one clients reflects the strength of our offerings and serves as an endorsement of our relentless focus on delivering quality customer programs in the growing employer market. Major companies across North America and Europe are recognizing Carebook for our innovative and powerful digital health and wellness solutions that can provide meaningful relief to the challenges faced by their clients and employees. When coupled with the significant enhancements to our Statement of Work with our major pharmacy client and our ongoing efforts to find efficiencies within our cost structure, Carebook is on a path to deliver profitable growth. We expect these revenue growth trends to continue into the year-end, and we will continue managing costs with an objective of minimizing cash burn and increasing our profit margins in the coming months. Carebook's financial outlook continues to be positive for 2023, and we are on course to deliver Adjusted EBITDA break even or better in fiscal 2024, establishing a strong foundation for durable long-term growth. Before I conclude, I would like to highlight an important announcement that we made in early September regarding the appointment of Andrea Hunt as our new Chief Commercial Officer. Andrea brings to Carebook a rich history of driving exceptional growth for businesses on a global scale. Working with the Carebook executive team, she will play a pivotal role in developing and executing revenue growth strategies while leading Carebook's sales and marketing efforts. We are absolutely delighted to welcome Andrea to Carebook. Her impressive reputation, coupled with her proven history of steering global brands to new heights, aligns seamlessly with our pursuit of innovation and transformative growth. Andrea's addition to our leadership team confirms an exciting chapter for Carebook as we continue to create world-class experiences, push boundaries and redefine what's possible in the health and wellness industry. I will now turn it over to Olivier Giner to review our third quarter financials. Olivier? Thanks, Michael. Reported record revenue for the quarter ended September 30, 2023. Revenue was CAD 3.5 million, compared to CAD 2.1 million for the quarter ended September 30, 2022, an increase of 69%, which was mostly driven by strong organic growth in the pharmacy vertical and an increase in license revenue from CoreHealth, offset by a decrease in license revenue at InfoTech. Revenue generated at the quarter ended September 30, 2023, was 63% from the employer vertical, up from 59% during the same quarter in 2022. Due to several client additions and contract expansions at CoreHealth, which outpaced the growth in the pharmacy vertical. Pharmacy revenue has been strong as a result of three SOWs in place with our key pharmacy client. We expect pharmacy revenue to remain at current levels for a while. However, recurring revenue from the employer vertical business is expected to continue to increase during 2023, following the implementation of several large customers in recent months and the addition of a significant number of users beyond contractual minimums. Our large value-added resellers have been successful to date, ramping up their platforms and adding eligible users, which directly translates into additional revenues for us, and we continue to work in partnership with our value-added resellers to help them add users to their installed base. We also have several large clients currently in or soon entering the implementation pipeline in the employer vertical. During the quarter, the company continued to implement cost reduction measures, resulting in additional recurring savings. One important cost saving, as previously disclosed, is as a result of the sublease of our Montreal office, which commenced on May 1, 2023. These initiatives, when combined with the strong revenue growth that a company is experiencing, help the company reduce its use of cash flow from operations and are getting the company closer to durable profitability. Loss from operations for the quarter ended September 30, 2023, was CAD 0.4 million, compared to a loss of CAD 1.6 million during the same period of 2022, an improvement of CAD 1.2 million or 77%. The decrease in operating expenses was due to lower sales and marketing costs and lower research and development costs. Adjusted EBITDA for the third quarter of 2023 was positive at CAD 0.1 million, and we achieved our goal of generating positive adjusted EBITDA for the first quarter. Relative to the third quarter of 2022, adjusted EBITDA improved by CAD 1.2 million, reflecting stronger revenues and disciplined cost management, which drove a positive adjusted EBITDA margin of 3%, compared to a negative adjusted EBITDA margin of 54% in the third quarter of 2022. Net loss was CAD 0.4 million for the quarter ended September 30, 2023, compared to a loss of CAD 1.7 million for the quarter ended September 30, 2022, an improvement of 77%. The variance is driven mostly by higher revenue and lower loss from operations. At the end of the quarter ended September 30, 2023, annual recurring revenue was CAD 11.6 million, an increase of 20% over the same date in 2022. I will now make a few comments regarding our credit facilities and our fundraising efforts. On October 19th, a few days after the quarter end, the company renewed and amended its existing senior credit facilities with a leading Canadian Schedule I bank. Under the amendment, the bank agreed to continue providing the company with a CAD 3 million revolving facility and be subrogated in all the rights of its affiliates regarding a CAD 1.4 million non-revolving term loan facility. Moreover, the maturity date of the credit facilities were extended until September 30th, 2024. Beginning on the renewal date, the applicable margin on the revolving facility was decreased to 5.8% over prime, and the applicable margin on the term loan facility was decreased to 5.3% over prime. Applicable margins on both facilities are subject to additional reductions should the company complete an additional capital raise for aggregates minimum gross proceeds equal to CAD 2 million on or before the maturity date. The term loan facility is subject to mandatory monthly prepayments of CAD 50,000 on the 15th of each month, commencing on November 15, 2023. So that, such that the term loan facility will be reduced to CAD 0.8 million by the maturity date. The credit facilities are subject to new financial covenants, where the company must maintain a minimum cash runway and demonstrate minimum revenue growth. The credit facilities continue to be secured by a first-ranking security interest in all of the present and future property and assets of the company and certain of its subsidiaries. Regarding our fundraising efforts, as previously disclosed, the company announced on March 8, 2023, the closing of a non-brokered private placement of UIL Limited, its largest shareholder, for CAD 1.25 million, which resulted in the issuance of 12,500,000 common shares and 187,500 common share purchase warrants. On May 23, 2023, the company announced the closing of another non-brokered private placement with Permanent Mutual Limited, an affiliate of UIL Limited, for CAD 1.5 million, which resulted in the issuance of 12,500,000 common shares and 187,500 common share purchase warrants. These funds help to implement our strategy, and management will continue to evaluate alternatives to secure additional financing until the company becomes profitable. While the creative facilities in the private placements provide Carebook with the necessary flexibility in order to carry on with operations, Carebook is currently evaluating various financing opportunities and expect to make additional announcements in the near future as definitive plans are being finalized. We will continue to evaluate financing alternatives until the company becomes permanently profitable. Carebook's financial outlook continues to be positive for 2023. The company is poised to achieve significant revenue growth while effectively managing its costs and delivering sustained growth in cash flows. Carebook's strong organic growth and efficient cost management initiatives will allow the company to continue to successfully execute its strategy. Carebook is expecting to maintain strong performance in 2023 for the entire company as a whole. To complement its organic growth strategy, Carebook will continue to seek out accretive acquisitions and partnerships that improve the accessibility, quality, and functionality of its comprehensive solutions, surrounding ecosystems and supporting services. This wraps up my remarks regarding the third quarter results. You can find our unaudited, interim condensed financial statements with notes and MD&A for the quarter ended September 30th, 2023, on SEDAR+. And with that, operator, we're ready to take questions now. Thank you. Ladies and gentlemen, we will now begin the question and answer session. Should you have a question, please press the star followed by the one on your touchtone phone. You will hear a three-tone prompt acknowledging your request, and your questions will be polled in the order as they are received. If you wish to decline from the polling process, please press the star followed by the two. If you are using a speakerphone, please lift the handset before pressing any keys. One moment, please, for your first question. Ladies and gentlemen, as a reminder, should you have a question, please press the star followed by the one. There are no questions at this time. Michael Peters, please proceed. Thank you, operator. Our third quarter 2023 results confirm the positive growth trends exhibited since the beginning of 2022, and most importantly, the strength of our sales bookings year to date validate our success in the employer vertical. We continue to have a very positive outlook as we meet the demands of major companies across North America and Europe, seeking out innovative and powerful digital health and wellness solutions. Thank you again for your participation. Olivier and I are available at any time to answer any further questions you may have. Have a great day. Thank you, operator. I conclude the call. Ladies and gentlemen, this concludes your conference call for today. We thank you for your participation and ask that you please disconnect your lines.