Good morning. My name is Ludy, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Carebook Fiscal 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 and financial outlook assumptions. The company will make forward-looking statements and share its financial outlook on the call today. Forward-looking statements, including the company's financial outlook, are based on assumptions and 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 the cautionary notice and find out more about this risk and uncertainties in the company's press release distributed this morning, as well as in their filings with the 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 and are 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, this measure should not be considered in isolation or as a substitute for analysis of the financial information reported by the company under IFRS. You can read the cautionary notice and find out more about these measures in the company's press release distributed this morning, as well as in their filings with the Canadian regulators on SEDAR+. After the speaker's remarks, there will be a question and answer session, and if you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, please press the star followed by the number two. Thank you. Mr. 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 Fiscal 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 year and discuss our outlook going forward. Olivier will take you through our year-end financials, and we will open it up for questions. 2023 was definitely an important year for Carebook as we solidified our operations from multiple perspectives and continued to build a strong foundation in the employer health and wellness vertical. We continued to steadily execute our business plan, and we completed the implementation of several key accounts and helped our clients onboard a significant amount of new users to the CoreHealth platform. These efforts broadened our footprint in the employer vertical and confirmed that strong demand for health and wellness services continues to exist. This meaningful expansion of our licensed user base resulted in 32% revenue growth in 2023, a significant step forward for our business. We were also successful in implementing our cost reduction strategy and finding further efficiencies within our cost structure during the year, thereby improving our margins and operating cash flows. The company signed CAD 5.2 million in additional contract value during the year, which positively impacted 2023 results, while adding to our stable and growing base of annual recurring revenue. I will walk you through a few notable wins which illustrate our overall success during the year. Beginning with our pharmacy solutions, on April 21st, Carebook expanded the scope of work with its core clients, adding another CAD 1.6 million in contract value. Production for this new statement of work started on June 1st, 2023, and positively impacted our annual performance. In the employer segment, on July 19th, CoreHealth announced further details regarding a significant expansion of our license agreement with AG Health Partner. This amendment to our current license agreement gave an additional 550,000 eligible members access to the CoreHealth platform, 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 illustrates the suitability of the CoreHealth platform to serve a diverse array of employers with a broad range of employee populations, and including those employers who have chosen to offer employee wellness benefits through major insurance programs. CoreHealth has rapidly established itself as a leading provider of innovative technology solutions that seamlessly connect employees and member populations to their well-being programs. CoreHealth'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, we helped our clients add over 1.2 million licensed users to their... In addition to their minimum contractual volumes, which impacted revenue positively for us in 2023. These value-added resellers act as distribution partners for us and have been instrumental in 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 the means to accelerate our growth for the future. Our annual 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 forming the employer vertical. Our continued announcement 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 the innovative and powerful digital health and wellness solutions we offer 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 delivering profitable growth. In addition to our strong revenue growth stemming from the considerable expansion of licensed users, new customers, and expansion with our major pharmacy clients, we were also successful raising long-term capital and repaying short-term liabilities during 2023, significantly strengthening our balance sheet and giving us considerable runway to execute our business plan. We expect the organic revenue growth trend to continue in 2024, and we will remain focused on managing our costs with the objective of minimizing cash burn and increasing our profit margins in the coming months. Carebook's financial outlook continues to be positive for 2024. Although we cannot predict all the challenges that we will face this year, we believe our business is on course to deliver Adjusted EBITDA breakeven or better in fiscal 2024. I will now turn it over to Olivier Giner to review our year-end financials. Olivier? Thanks, Michael. Reported record revenues for the year ended December 31, 2023. Revenue was CAD 12.3 million, compared to CAD 9.2 million for the year ended December 31, 2022, an increase of 32%, which was mostly driven by strong organic growth in the pharmacy vertical and an increase in licensed revenue from CoreHealth, offset by a decrease in licensed revenue at InfoTech. Revenue generated in the year that ended December 31, 2023, was 63% from the employer vertical and 37% from the pharmacy vertical. Pharmacy revenue was strong as a result of three SOWs in place with our key pharmacy client. We expect pharmacy revenue to remain at current levels during fiscal 2024. However, recurring revenue from the employer vertical business is expected to continue to increase during 2024, following the implementation of several large customers during 2023 and in recent months, and the addition of a significant number of users beyond contractual minimums. Our large value-added resellers have been successful last year, ramping up their platforms and adding eligible users, which directly translated into additional revenue 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 year, 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 the company is experiencing, helped the company reduce its use of cash from operations and are getting the company closer to durable profitability. Loss from operations for the year ended December 31, 2023, was CAD 2.5 million, compared to a loss from operations of CAD 6.2 million incurred in the same period of 2022, an improvement of CAD 3.7 million. The decrease in operating expenses was due to lower sales and marketing costs and lower research and development costs. Adjusted EBITDA loss for the year of 2023 was CAD 1.1 million. Relative to 2022, Adjusted EBITDA improved by CAD 3 million, reflecting stronger revenue and disciplined cost management, which drove a negative EBITDA margin of only -9% compared to a negative Adjusted EBITDA margin of -44% in 2022. Net loss was CAD 3.3 million for the year ended December 31, 2023, compared to a loss of CAD 17.8 million for the year ended December 31, 2022, an improvement of CAD 14.5 million. The improvement was driven mostly by the absence of a major impairment to goodwill and intangible assets and by lower loss from operations. At the end of the year ended December 31, 2023, annual recurring revenue was CAD 12.1 million, an increase of 42% over the same date in 2022. I'll now make a few comments regarding our credit facilities and our fundraising efforts. On October 19 last year, the company renewed and amended its existing senior credit facility 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 to be subrogated to all the rights of its affiliates regarding a CAD 1.4 million non-revolving term loan facility. The maturity date of the credit facility was extended until September 30, 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 was decreased to 5.3% over prime. Following the closing date of the financing in December, the applicable rate on the revolving facility decreased further to 4.3% over prime, and the applicable interest rates on the term loan decreased further to 4.8% over prime. The term loans facility is subject to mandatory monthly prepayments of CAD 50,000 on the 15th of each month, commencing on November 15, 2023, such that the term loan facility would be reduced to CAD 0.8 million by the maturity date. The credit facilities are also subject to new financial covenants, where the company must maintain a minimum cash runway and demonstrate minimum revenue growth. Regarding our fundraising efforts, as previously disclosed, the company announced on March 8, 2023, the closing of a non-brokered private placement with UIL Limited, our largest shareholder, for CAD 1.25 million. On May 23, 2023, the company also announced the closing of a non-brokered private placement with Permanent Mutual Limited, an affiliate of UIL, for CAD 1.25 million. Finally, on December 11, 2023, the company announced the closing of another private placement with UIL for CAD 2 million. The private placement was completed through a convertible loan agreement that will mature in December 22, 2026. These funds help the company implement our strategy, and while the credit facilities and the private placements provide Carebook with the necessary flexibility in order to carrying on with operations, we continue to evaluate various financing opportunities and alternatives until the company becomes permanently profitable. Carebook's financial outlook continues to be positive for 2024. 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 on its strategy. Carebook is expected to maintain strong performance in 2024 for the entire company as a whole. To complement our organic growth strategy, we will continue to seek out creative acquisitions and partnerships that improve the accessibility, quality, and functionality of our comprehensive solutions, surrounding ecosystem, and supporting services. Carebook has adopted a disciplined approach towards exploring strategic M&A opportunities in order to grow its reach in other markets and offer new services to its customer base, while maintaining a focus on its organic growth. This wraps up my remarks regarding the year-end results. You can find our audited interim condensed financial statements with notes and MD&A for the year ended December 31, 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 number one on your telephone keypad. You will hear a three-tone prompt acknowledging your request, and your questions will be followed in the order they are received. Should you wish to decline from the polling process, please press the star followed by the number two. One moment please, for your first question. There are no further questions at this time. I would like to turn it back to Mr. Michael Peters for further remarks. Thank you, operator. Our year-end results confirm the trend exhibited since the beginning of 2023 and validate our success in both the employer and pharmacy verticals. We are looking at very positive trends 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. This concludes the call. Thank you, presenters, and ladies and gentlemen, this concludes today's conference call. Thank you for participating. You may now disconnect.