Good afternoon, everyone. Welcome to the annual general and special meeting of Propel Holdings. Please note that this meeting is being recorded. I would Good afternoon, everyone. Welcome to the annual general and special meeting of Propel Holdings. Please note that this meeting is being recorded. I would Good afternoon, everyone. Welcome to the annual general and special meeting of Propel Holdings. Please note that this meeting is being recorded. I would Good afternoon, everyone. Welcome to the annual general and special meeting of Propel Holdings. Please note that this meeting is being recorded. I would like to introduce Devon Ghelani, Propel's Vice President of Capital Markets and Investor Relations and the moderator of today's meeting. Devon, please go ahead. Thank you, Lucas. Good afternoon, everyone, and thank you for joining Propel's virtual annual general meeting of shareholders. We have made the decision to hold this year's annual general meeting in a virtual-only format that is being streamed via live webcast. Our agenda today includes the formal business of the meeting that will be conducted by Clive Kinross, our Chief Executive Officer. We will conclude with a question-and-answer period open to registered shareholders and duly appointed proxy holders, at which time Clive and Sheldon Saidakovsky, our Chief Financial Officer, will be available to respond to questions. Please note that our remarks and responses to questions today may include our expectations, future plans, and intentions that may constitute forward-looking statements. We would refer you to our most recently filed Management Discussion and Analysis and Annual Information Form, which includes a summary of the material assumptions as well as certain material risks and factors that could affect our future performance and our ability to deliver on these forward-looking statements. With that, I would like to turn the meeting over to Clive Kinross, our CEO, to lead us through the formal business of the meeting. Good afternoon. Thank you all for coming to Propel's virtual annual general meeting of shareholders. As CEO, I'll act as the chair for today's meeting. During the formal business portion of the meeting, please note that only registered shareholders or their duly appointed proxy holders are permitted to vote or otherwise participate and ask questions in the meeting. As this meeting is being held virtually via live audio webcast, we would like to clarify a few procedural matters relating to the conduct of the meeting. First of all, questions in respect of a motion can be submitted by a registered shareholder or duly appointed proxy holder using the question platform service of TSX Trust labeled Ask A Question. Please note there will be a slight delay in the publication of the communications received. Two, when asking a question, please indicate your name, which entity you represent, if any, and confirm that you're a registered shareholder or a duly appointed proxy holder. Three, questions will only be addressed during the question period at the end of the meeting, provided that questions regarding procedural matters or directly related to the motions before the meeting may be addressed during the meeting at the discretion of the Chair. Four, voting on all matters will be conducted by a single electronic ballot. Voting will be open at the beginning of the meeting and available throughout the formal part of this meeting for all registered shareholders and duly appointed proxy holders. The moderator will indicate that polls are open by saying, "I now declare the polls open." The voting button will appear on the left-hand side of your screen once voting is over. Voting will close approximately 30 seconds after the conclusion of the formal business of the meeting. If you've already voted by proxy, you do not need to vote again during the meeting as your votes are being recorded and will be counted by the scrutineer. Registered shareholders and duly appointed proxy holders who have already submitted a valid proxy and want to vote again by electronic ballot at the meeting will be revoking any previously submitted proxies, and only the electronic ballot submitted today at the meeting will be counted. If we encounter any technical difficulties, please remain logged on, and we will resume as soon as possible. We will now proceed with the formal portion of the meeting. Before I begin, I want to thank our shareholders for their continued support. 2024 was a record year for Propel, with revenues of $450 million and an adjusted net income of $62 million. We also completed our first acquisition in 2024 with Quid Market in the U.K. I'm incredibly proud of what the team has accomplished. We have had an incredibly strong start to the year, and we are confident that we will meet our financial targets. We are also working on a number of new growth and business development initiatives that we hope to be able to announce in the coming months. As we said in our last quarterly financial update, we continue to observe strong consumer demand in the U.S., the U.K., and Canada. There are over 90 million consumers who are underserved by traditional financial institutions in North America and the U.K. At a time when many consumers are living paycheck to paycheck, consumers need access to best-in-market and unique products. At Propel, it is our mission to serve these consumers and, in doing so, to help them overcome the financial roadblock. We have shown that we can not only create opportunity for our customers but also for our team and for you, our shareholders. I'm incredibly proud of what we've accomplished. There is much more to come. Now let's turn back to the business of the annual general meeting. I call to order the annual meeting of the company shareholders. With the consent of the meeting, I appoint Jay Verghela, SVP, General Counsel, and Corporate Secretary of the company to act as Secretary for this meeting. In addition, and with consent of the meeting, I appoint TSX Trust Company through its representative, Julie Kim, to act as scrutineer. The purpose of today's meeting is set out in detail in the Management Information Circular dated April 28th, 2025. Copies of the circular were made available to shareholders on or around May 5th, 2025, together with the notice of the meeting in the form of proxy. Accordingly, unless there is any objection, I will dispense with the reading of the notice of the meeting. I have received a declaration prepared by our transfer agents, TSX Trust Company, indicating that either a notice of this meeting and their company proxy materials or the notice and access notice, as applicable, was duly mailed to shareholders of record as of April 16, 2025. I direct that a copy of the notices and circular and declaration of mailing be kept by the Secretary with the records of the meeting. The scrutineer's report indicates that shareholders holding in aggregate more than 25% of the voting rights attached to shares entitled to be voted at the meeting are present in person and represented by proxy. As this meets the quorum requirements and the company's bylaws, we may proceed with the meeting. A copy of the final report on attendance will be filed with the records of the meeting. I now declare that this meeting was properly called and duly constituted for the transactional business. If you are a registered shareholder or duly appointed proxy holder, the electronic ballot will now be available on your screen. Please register your votes by pressing on the for, withhold, or against buttons as applicable next to, first of all, the name of each proposed director, and secondly, the resolution with respect to the appointment of MNP LLP as the auditors of the company. You will have time to vote throughout the formal part of the meeting. I now declare the polls open. The first item of business is the presentation of the company's consolidated financial statements for the fiscal year ended December 31st, 2024, as well as the auditor's report thereof. These financial statements and the auditor's report were made available on the SEDAR+ website under the company's profile and on the company's website on March 12th, 2025. Noting no objection, I will dispense with the reading of the auditor's report. We will entertain any questions with respect to the company's consolidated financial statements in the question period following the formal part of this meeting. We now move to the next item on today's agenda. The next matter to be acted upon is the election of seven individuals to the board of directors. The term of office of the directors is from today until the end of the next annual meeting of shareholders or until such time as their successors have been duly elected or appointed. As described in the circular, the company has adopted a majority voting policy, pursuant to which any director nominee who receives more votes withheld than for must submit his or her resignation promptly, and such resignation must be accepted by the board other than in exceptional circumstances. The circular contains information on each of the seven nominees recommended for election as directors. As outlined in the circular, the following directors have each been nominated to hold office until the close of the next annual meeting of the shareholders who will call his or her successors are duly elected or appointed. They are Michael Stein, Clive Kinross, Peter Monaco, Poonam Puri, Geoff Greenwade, Karen Martin, and Peter Anderson. Each of the persons nominated has confirmed that he or she is prepared to serve as a director. Each of them qualifies as a director under the provisions of the Ontario Business Corporations Act. Given that no nominations were received in accordance with the advanced notice provisions contained in the company's bylaws, I declare the nominations to be closed. I move to nominate the directors as set forth in the circular. If there is no discussion, as mentioned at the beginning of this meeting, voting today will be conducted by a single electronic ballot, and the polls are currently open, so you can vote on the election of each director as you see fit. We will now move on to the next item of business. The next item of business is the appointment of the auditors of the company for the ensuing year to authorize the directors of the company to fix the remuneration of the auditors. The audit committee and the board have approved, subject to shareholder confirmation, the appointment of MNP LLP as the auditors of the company. I move that MNP LLP be appointed auditors of the company until the end of the next annual meeting of shareholders and that the directors be authorized to fix their remuneration. If you haven't voted already, please do so now. After 30 seconds, voting will be closed, and you may no longer be able to submit a vote. The time is now 1:11:40, and the ballots will close with all resolutions in 30 seconds. Voting is now closed. I would like to ask that the scrutineers compile the report regarding the results of voting on all business matters. We'll wait a few minutes while the scrutineers compile their report. While the scrutineers are completing their report, I will ask whether there is other formal business to be brought before this meeting. As there is no other business to be brought before this meeting, I have received the scrutineer's report and declare the following. Each of the seven nominees have been elected as directors of the company to serve until the end of the next annual meeting of shareholders or until their successors are elected or appointed. MNP LLP is hereby appointed as the auditor of the company for the ensuing year and the board of directors is authorized to fix their remuneration. Final voting numbers will be posted on SEDAR+. If there is no further business to be brought before this meeting, I move that the formal portion of today's meeting be concluded. I declare the formal portion of this meeting closed. We will now move on to the question and answer period. I now turn the meeting over to the moderator. Thank you, Clive. As mentioned at the beginning of the meeting, if you have any questions, please use the question feature of the virtual meeting platform and indicate your name, the entity you represent, if any, and confirm you are a registered shareholder or a duly appointed proxy holder. Please limit your questions to topics related to today's subject matter and keep your questions short and succinct. We may consolidate questions that are repetitive or overlap in the interest of all those logged on today. You will now give attendees a brief moment to type in their questions if you have not already done so. There being no questions, we are now concluding the question and answer portion of this meeting. We thank you all again for joining us this afternoon. You may now disconnect. Thank you for attending today's meeting. You may now disconnect.