I'd now like to turn the floor over to today's host, Mr. Gregory Feller, President and Co-Founder of Mogo Inc. Sir, the floor is yours. Great. Thank you. Excited to be here, and thank you everyone for listening. Excited to give you an update on Mogo. Mogo is one of Canada's leading fintechs. And we believe we have got a really exciting story here as we refocus the business on two core growth areas of wealth and payment. I'm just going to quickly snapshot the Safe Harbor Statement. So quick snapshot of who Mogo is. We have 2 million members, over 2 million members in Canada. We processed over CAD 9.9 billion in payments volume in 2023. We have about CAD 300 million of AUM today. Cash and investments on our balance sheet as of last quarter and reflecting current market value of a substantial investment in WonderFi is CAD 55 million. Q3 revenue was CAD 16.2 million, which was the second quarter of sequential growth. Q3 adjusted EBITDA of CAD 2.1 million. Shares outstanding, actually 24.5 million. It's gone down from the last one there. We also have a substantial crypto investments on our balance sheet, totaling over CAD 23 million, which is sort of a unique opportunity for investors to participate in crypto through the investments, and I'll talk a little bit more about that. Very high insider ownership, approximately 15% as well. So turning to Mogo's focus, we are focused really, as I said, on really two areas. We have a Canadian fintech platform with a core focus on wealth, which we believe is a huge opportunity in Canada. Also a long-standing credit business, where we give Canadian consumers small dollar loans, average loan size of about CAD 1,500. Again, we have 2 million members in our Canadian consumer fintech business. And we also have a growing international payments business, Carta Worldwide, which, as I mentioned, did CAD 9.9 billion of payments volume in 2023, last year. And we see significant growth opportunity for that business going forward as well. Importantly, we have a very powerful recurring revenue model. Almost just over 94% of our existing revenue is recurring revenue, which we think really differentiates this business from a lot of fintechs out there. A lot of the fintechs that we've seen can have very volatile revenue with transaction-based revenue. Markets are up, revenue can be up substantially. Markets are down, revenue can be down substantially. We've got a very stable recurring revenue base, which we think really distinguishes us. That revenue base is a combination of subscription revenue and interest revenue from our 2.1 million members, as well as payment processing fees through our Carta business. Average revenue per member today of about CAD 31. And we believe there's a substantial opportunity to grow both our member base as well as our average revenue per member. An example, the average revenue per member at Canadian banks is well over CAD 1,000, so a massive TAM opportunity. Turning to the wealth opportunity in Canada, again, importantly, our consumer business is exclusively focused on Canada. Why do we like Canada as a focus area? Well, very high barriers to entry, as probably a lot of you know, in the U.S. You know, Canada is still dominated by about four or five banks. Unlike the U.S., where it's much more competitive, it's more of an oligopoly in Canada. The large four or five banks really control the lion's share of the consumer's financial wallet. Because of that, they're still charging very high fees. In the wealth area, it is no different. 90% of Canadians right now, unfortunately, are not on track for retirement. Why is that? Well, a lot of them are investing in mutual funds. There's CAD 2 trillion in mutual funds in Canada, paying an average of 2% management fees. As we say, for the privilege of those high fees, the average historical mutual fund is about 5% annually, which is about half of the average return of the S&P. So unfortunately, the majority of Canadians are in funds that are overcharging them and underperforming in the market. And so that means even if they are doing the work as far as savings, they're not gonna be on track for retirement. That's why 75% of Canadians between 55 and 64 have less than CAD 100,000 in savings. So we believe there's a substantial opportunity to disrupt this market by offering a much better solution to Canadians. The core of our solution for retirement is on or through our Moka app. And this is a long-term investing app really focused on the millennials and the Gen Z, importantly, who have a very long time horizon. And what we show here on this chart is something that a lot of us that are in the financial services industry may understand, but the majority of consumers don't understand. And that is that the average return of a consumer today investing in the market is about 4% annually. The average return of the S&P over the last 100 years has been about 10% annually. Now, to a lot of people, that difference in 10% versus 4% may not sound meaningful, but compounding over 50 years is significant. So the snapshot or example we give here on the right is CAD 100 invested per week over a 50-year time horizon, compounding at 4%, is about CAD 800,000. That same CAD 100 a month compounding at 10% can be CAD 6 million, so significantly more. We believe that Canadians need to get exposure to and an easy way to invest in the S&P, which they're not. This is a subscription model, so unlike the AUM model that the majority of players are focused on, this is a subscription model. That allows us to basically start generating revenue, profitable revenue, by, you know, new Gen Zers that have no AUM, but are just signing up to start investing. Unlike the majority of the asset managers in Canada that are focused on high AUM customers, so they're not looking for the Gen Zers that don't have any money today. We actually want those, put them on a long time horizon and grow with them, our AUM grows with them, and in our subscription model, it allows us to grow with them as well. We also have an active trading platform called Mogo. The active trading platform today is a free stock trading platform. Unlike the U.S., where almost all of the discount brokers have gone free trading, in Canada, the majority of discount brokers are owned by the Canadian banks, and because of that, they have not gone to free trading yet. You know, they're still paying fees, so investors are still paying fees. And on our Mogo app, we're really allowing you to trade the lowest cost possible in Canada. But importantly, we're also really trying to educate the consumer on how to invest, and we really take this Warren Buffett approach of, you know, make sure you've done your homework. So we are not popping champagne or confetti every time you buy a stock. Instead, we're trying to make sure that you've done your homework and you're making smart investments. We believe ultimately that these investing apps should be rated not by how many trades somebody makes or how easy it is to trade, i.e., how easy to speculate, but ultimately, how it helps people make money in the long term. And that's really what we're focused on with our Mogo app. We believe this combination of active and passive trading is a really powerful combination. We believe every consumer in Canada should have a set-it-and-forget-it investing account for retirement, while also active. While having access to an active trading account, low cost, if they need it. We're also very active in our community in Canada, and through our Mogo and Moka app, we actually plant trees every time somebody is active on the account. So really making a big impact on the community, planted over 300,000 trees in Canada. We obviously believe this is really important to the next generation, especially the Gen Zers, and aligns with our brand and our mission. On the marketing side, with over 2 million member base that we've built up over the last 15 years, we've got a very large member base to market our wealth products to. We also have a unique marketing partnership with Canada's largest news media company, Postmedia, covering getting us access to 17.4 million Canadians. We are going to be ramping up a new marketing campaign for our Moka and Mogo wealth app later this quarter as Mogo really returns to growth mode here in 2024. Turning to our payments business, Carta Worldwide. This is a mostly European-based business. Again, in 2023, we generated EUR 9.9 billion in payment volume, which was up 36% year-over-year. We've got some very large and growing customers, especially Pluxee, a company that recently spun off from Sodexo, one of the largest European food outsourcers in the world. We continue to grow our business with Pluxee. We see a significant opportunity to grow Carta really as the low-cost payment provider in the market. We think we've got a very disruptive value proposition there, and Carta has a very long history of helping European players. In fact, Carta was the original platform that the large U.K. fintech, Wise, built their business off of. But this is a $2.5 trillion TAM market. And as I said, it's our business is heavily concentrated in Europe, and we continue to be excited about the opportunity to grow this business going forward. Turning to our crypto exposure, a little bit of history here. During 2021, we have been big believers in crypto, especially for the next generation. This is an asset class we believe they want access to. And we think that now with the approval by the SEC of the Bitcoin ETF, that we are gonna see more and more assets flow into this asset class. And ultimately, as new users come into this asset class, they're gonna look to get exposure, a lot of them beyond Bitcoin. Where are they gonna do that? We believe they're gonna turn to the crypto exchanges. In Canada, WonderFi is really, I'd call it, the Coinbase of Canada. We had a sizable stake, the largest shareholder in a private company called Coinsquare, which we merged into WonderFi, along with another company, to create really the leading Canadian crypto exchange. And importantly, this crypto exchange is the only fully regulated crypto exchange, not just in Canada, but therefore North America. As probably you know, the SEC continues to battle a number of the U.S.-based crypto exchanges. WonderFi, Canadian-based crypto exchange, focused on Canada, but has a full crypto regulation through the Canadian regulators, making this a very unique platform, we believe, for investors to participate in. WonderFi is a TSX-listed company, but investors in Mogo get direct exposure to WonderFi because we own 87 million shares of WonderFi. Given we only have 24.5 million shares, that means about 3.5 shares of WonderFi per Mogo share. So giving our investors a pretty sizable exposure to crypto, we believe in a much lower risk way, because 0% of Mogo's revenue is crypto-related. However, our investors do participate in crypto through ownership of Mogo, given our large ownership in WonderFi. Turning to our financials next. We have been very disciplined on profitable growth, and I think we got ahead of the curve after rates started increasing, and we obviously saw tech companies around the world start to cut their costs. We really started this journey in Q1 of 2022, and you see that we've actually cut about 50% of our OpEx over that period of time. And we've really become lean and mean. We did this by refocusing the business on our core, core growth areas of wealth and payments, alongside of our legacy credit business. Exited a number of non-core unprofitable products that during a zero-rate environment, we could afford to invest in. But in this new rate environment and in the new market environment, where people are looking for profitability, we felt that it was appropriate to make these decisions. This has resulted in meaningful growth from negative EBITDA of over CAD 5 million in Q1 of 2022 to positive EBITDA in the latest quarter, Q3 2023 of CAD 2.1 million. In addition, we've seen a substantial corresponding increase in our cash flow, in particular, cash flow from operations before investment in the loan book. So, we believe that this disciplined focus on cost and profitable growth has really transformed our cash flow and our EBITDA on the business. Now, as we turn to 2024, we're focused on returning to revenue growth. Year-over-year revenue has declined in Q1, Q2, and Q3, given the unfavorable comparison to 2022, because we exited a number of those unprofitable products, as I mentioned, in 2022. However, subsequently, revenue has started to increase since Q1, and we expect that trend to continue. We also expect to return to year-over-year growth in 2024, and we believe we'll be positioned to return to accelerating revenue growth in 2024, alongside a positive EBITDA margin, which we believe is really the ultimate combination, accelerating revenue growth, positive EBITDA margin. We think that's really gonna change the narrative for Mogo as a growth story. I've talked a little bit about our balance sheet. As of last quarter, again, these figures are all Canadian dollars, CAD 19.3 million of total cash in Q3. Another CAD 12.7 million of other investments plus about CAD 23 million of crypto-related investments. Majority of that being in WonderFi, which we again believe is a unique opportunity for our investors to participate alongside of what we believe is an exciting growing asset class in crypto. And ultimately, we believe we'll see monetization opportunities at some point in 2024 and 2025, and allow Mogo to add cash to its balance sheet in a non-dilutive way to our shareholders. A quick snapshot of our cap table. A reminder, we did a 3-for-1 consolidation in middle of last year to keep our NASDAQ listing. Obviously, put pressure on the stock. However, during that period of time, we were able to buy back about 5% of our stock. Now we have about 24.5 million shares outstanding, again, with high insider ownership, and significant cash investments on our balance sheet as well. So we believe this really sets us up nicely for 2024 as we go back into growth mode. I will just end it there on our investment highlights slide. I will see if there are any questions. If not, thank you very much. Please reach out to any of our IR folks if you'd like to get a hold of me, and to learn more about Mogo. Excited to tell you more about what we're doing and excited for our future going forward. So I think with that, doesn't look like there's any questions. So I think that's the end of our presentation. Thank you very much. Thank you. Ladies and gentlemen, this does conclude the Mogo Inc. presentation. You may now disconnect your line. The next session will begin in five minutes, and please consult the conference agenda for the next presenting company. Thank you.