Good morning. My name is Jenny, and I will be your conference operator today. At this time, I would like to welcome everyone to the Carebook Third Quarter 2024 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 these risks and uncertainties in the company's press release distributed 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 the 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, these measures should not be considered in isolation, nor 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 your filings with Canadian regulators on SEDAR+. 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 then the number one on your telephone keypad. If you would like to withdraw your question, please press star 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 Third Quarter 2024 Results Call. With me this morning is Olivier Giner, our Chief Financial Officer. On today's call, I'll take you through our highlights for the quarter and discuss our outlook going forward. Olivier will take you through our third quarter financials and discuss subsequent events, and then we will open it up for questions. Although we showed lower growth during the third quarter, additional revenue from new and existing customers compensated just enough to replace churn customers. Despite unusual expenses this quarter, we are able to maintain our margins as we prepare for our next phase of growth with the ongoing development of new products that will specifically target the small and medium employer market. Third quarter 2024 was definitely an important quarter as we continued to solidify our operations and build a strong foundation in both the pharmacy and employer verticals. We continued to deliver important features and updates to our pharmacy platform, strengthening our product offering in the pharmacy vertical and benefiting the banners we serve in Ontario and Quebec. Regarding our employer vertical, we steadily executed our business plans and continued making progress with software implementations affecting key accounts, helping several significant clients continue the development of their offerings that target the employer market. Our CoreHealth platform continues to serve a diverse array of employers with a broad range of employee populations, including those employers who have chosen to offer their employees 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. During the quarter, we continued to make significant improvements to our standardized offering, which targets the direct-to-employer segment. Our standardized offering showcases a revamped user experience and includes a preset library of questionnaires, challenges, and content, all available on a nearly self-serve model requiring little or no implementation. We expect our new standardized product offering will appeal primarily to small and medium businesses and to some large employers who seek accelerated launches of new HR programming. And consequently, these accelerated adoptions will serve to shorten the current sales cycle for our solutions. In the employer vertical, in addition to our normal course implementations, we continue to help our clients add users over and above their contractual minimums during the quarter, which continued to directly impact revenue positively. 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 the means to accelerate our growth for the future. Our quarterly results reflect an overall positive trend in the employer vertical as we benefit from the successful integration of our acquisitions of InfoTech and CoreHealth and reap the rewards of successful implementations of clients won in the employer vertical. 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 implementation work to launch new banners for our major pharmacy client and our ongoing efforts to find efficiencies within our cost structure, Carebook is on a path to delivering profitable growth. While our revenue growth slowed down in the quarter, we expect the overall positive trend to continue into the remainder of 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 generally positive for 2024. The company is poised to achieve revenue growth on an annual basis while effectively managing its costs and delivering sustained growth in cash flows. Carebook's organic growth and efficient cost management initiatives will allow the company to continue to successfully execute on its strategy. Carebook is expecting to maintain solid performance on an annual basis for 2024 for the entire company as a whole, and although actual results may differ, we believe Carebook is positioned to deliver Adjusted EBITDA at break-even in fiscal 2024. I will now turn it over to Olivier Giner to review our third quarter financials. Olivier. Thanks, Michael, and good morning, everyone. Despite a slowdown in year-over-year growth, we reported solid revenue again for the third quarter ended September 30th, 2024. Revenue was CAD 3.6 million compared to CAD 3.5 million for the quarter ended September 30th, 2023, an increase of 2%, which was mostly driven by an increase in license revenue from CoreHealth, offset by a decrease in license revenue at InfoTech. Revenue generated in the third quarter ended September 30th, 2024, was 64% from the employer vertical and 36% from our large client in the pharmacy vertical. Pharmacy revenue has been strong as a result of three SOWs in place with our key pharmacy client. However, we expect pharmacy revenue to decrease slightly starting in Q4 as a result of a reduction in the scope of work to be delivered to our clients. Recurring revenue from the employer vertical business is expected to continue to increase in the coming quarters as we have several clients currently in or soon entering the implementation pipeline in the employer vertical, and we continue to add users beyond contractual minimums for existing clients. Our large value-added resellers have been successful to date ramping up their platforms and adding eligible users, which directly translates 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. Unfortunately, the company had to record a one-time bad debt expense of approximately CAD 0.1 million in the quarter, which affected profitability during the quarter. Despite that, the company continued to implement cost reduction measures that will result in additional recurring savings. These initiatives, when combined with the revenue growth that the company is experiencing, are helping the company reduce its use of cash from operations and getting the company closer to durable profitability. Loss from operations for the quarter ended September 30th, 2024, was CAD 0.4 million and remained more or less the same as last year, as our revenue was slightly higher. This points to a small increase in operating expenses when compared to the quarter ended September 30th, 2023, which was mostly due to the recognition of a bad debt expense during the quarter that just ended. Adjusted EBITDA for the third quarter of 2024 was slightly negative, but close to zero, and compared to an adjusted EBITDA of CAD 0.1 million during the same period of 2023, which means that adjusted EBITDA decreased by CAD 0.1 million in between the two periods. The Adjusted EBITDA margin for the third quarter of 2024 was minus 1% compared to an Adjusted EBITDA margin of 3% in the third quarter of 2023. Net loss was CAD 0.7 million for the third quarter ended September 30th, 2024, compared to a net loss of CAD 0.4 million for the third quarter ended September 30th, 2023. The CAD 0.3 million increase in expenses is due in part to the recognition of a bad debt expense and a lower tax income recovery during the quarter ended September 30th, 2024. At the end of the quarter ended September 30th, 2024, annual recurring revenue was CAD 11.4 million, a decrease of 2% over the same date in 2023. I will now make a few comments regarding our credit facilities. On October 31, a few weeks 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 maturity date of the credit facilities was extended until October 31, 2025. The bank also agreed to increase the revolving facility from CAD 3 million to CAD 3.5 million. At the same time, the company was able to obtain better financing terms, and the new applicable interest rate on the revolving facility is now the prime rate of the bank, plus 4%, and the new applicable interest rate on the term facility is now the prime rate of the bank, plus 4.25%. The credit facilities are now subject to a new financial covenant where the company must maintain a minimum monthly Adjusted EBITDA. We have continued to repay the term loan at a rate of CAD 50,000 a month, with approximately CAD 0.8 million remaining at the end of third quarter. Regarding the revolving facility, we had approximately CAD 1.4 million drawn at the end of the quarter. The company continues to enjoy significant remaining borrowing capacity under the credit facility. The credit facilities, together with private placements that were completed during 2023, provide Carebook with the necessary flexibility in order to carry 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 continued 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 expecting to maintain strong performance in 2024 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 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. I wanted to highlight before closing my section that recently, during the fourth quarter, the company decided to request a delisting of its common shares on the Frankfurt Stock Exchange. The delisting process was commenced, and the last trading day of the common shares under the symbol PPM1 on the Frankfurt Stock Exchange is expected to be on or around December 20, 2024. This wraps up my remarks regarding the quarter-end results. You can find our unaudited interim condensed financial statements with notes and MD&A for the quarter ended September 30th, 2024, 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 touch-tone phone. Questions will be taken in the order received. Should you wish to cancel your request, please press the star followed by the two. If you are using a speakerphone, please lift the handset before pressing any keys. Once again, that is star one. Should you wish to ask a question? We have no questions at this time. I will now hand the call back to Michael Peters. Thank you, Operator. Our quarter-end results confirm the trend exhibited since the beginning of 2024, our success in both the employer and pharmacy verticals. We are looking at a very positive outlook as we meet the demand of major companies across North America and Europe seeking 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. That concludes the call. Thank you. Ladies and gentlemen, the conference has now ended. Thank you all for joining. You may all disconnect your lines.