Welcome to the XS Financial Annual and Special Meeting of Shareholders. I would now like to turn the conference over to David Kivitz, CEO. Please go ahead, sir. Good morning, everyone. Welcome to the annual and special meeting of XS Financial Inc. The meeting will now come to order. I am David Kivitz, and I'm the Chairman of the Board of Directors of XS Financial Inc. I will act as chair of the meeting. As the COVID-19 crisis prevents us from holding our meeting in person, it is hosted on the Lumi virtual shareholder meeting platform. This allows registered shareholders to vote and to submit questions and comments to the moderator to be read and addressed at the meeting. If you have a question or comment, please submit it through the system now and we will answer at the appropriate time. Following the formal portion of our meeting today, as President and Chief Executive Officer, I will make some brief remarks. After these remarks, I will address any questions. I shall ask Talia Shewchuk to act as secretary of the meeting and Bryce Docherty, representative of Odyssey Trust Company, to act as scrutineer. I have received confirmation from Odyssey as to the due mailing of the meeting materials and the financial statements for the year ended December 31, 2020. I direct that this confirmation, together with copies of these documents, be kept by the secretary with the minutes of this meeting. Business may be transacted at this meeting if two or more persons are present, holding or representing by proxy, not less than 25% of the shares entitled to vote at the meeting. The scrutineer's report has now been received, it shows that there is a quorum of shareholders present at the meeting. I direct that the scrutineer's report be kept by the secretary with the minutes of this meeting. I now declare that the meeting is regularly called and properly constituted for the transaction of business. I am Antony Radbod, and I'm the Chief Operating Officer and Member of the Board of Directors of XS Financial Inc. We'll conduct each vote by way of vote cast on the Lumi platform and those submitted by proxy. I understand that the scrutineers have tabulated all votes received prior to voting cut-off. If you have previously voted, you do not need to vote again when prompted. By voting again, you will revoke any previous vote made prior to voting cut-off. We will now open the voting for all of the resolutions. Particulars of the vote cast on all matters may be obtained from the secretary after the meeting. I direct that the scrutineer's report on all matters be annexed to the minutes of this meeting as a schedule. As the first order of business, I would like to present the financial statements for the year ended December 31, 2020. These are located on the Lumi dashboard page. Would someone move that the reading of the financial statements of the corporation be waived? I so move. Will someone second the motion? I second the motion. Contrary, if any. I declare the resolution as carried. The next item of business is the election of directors of XS Financial Inc. I will now entertain the nominations for four positions as director of XS Financial Inc. I nominate Antony Radbod, Stephen Christoffersen, Gary Herman, David Kivitz as directors of XS Financial to hold office until the next annual election of directors or until their successors are elected or appointed. I second the nomination. Is there any discussion or questions submitted from any registered shareholders or proxy holder? Mr. Radbod, there are no questions at this time. As there's no further nominations, I now declare the nominations closed. The next item of business is the appointment of auditors. I move that McGovern Hurley LLP be appointed auditors of XS Financial until the next annual meeting or until their successor is appointed, and that their remuneration as such be fixed by the board of directors. I second the motion. Is there any discussion or questions submitted from any registered shareholder or proxy holder? Mr. Chairman, there are no questions at this time. I am advised there are no questions, and will proceed with the next motion. The next item of business is the consideration of a resolution to approve the existing omnibus incentive plan of the corporation, subject to certain amendments, as particularly described in the accompanying management information circular dated July 27th, 2021. I move that the special resolution in the information circular Schedule B, plan resolutions dated July 27th, 2021 be approved. I second the motion. Is there any discussion or questions submitted from any registered shareholder or proxy holder? Mr. Chairman, there are no questions. I am advised there are no questions, and will proceed with the next motion. The next item of business is authorizing and approving the consolidation of the subordinate voting shares to proportionate voting shares of the company. I move that the special resolution in the information circular Schedule C, plan resolutions dated July 27th, 2021 be approved. Is there any discussion or questions submitted from any registered shareholder or proxy holder? Mr. Chairman, there are no questions. As voting has been enabled for all previous motions, if a shareholder has not voted yet, please do so. We will pause for one minute to allow shareholders a chance to complete their voting. Voting is now closed. I have been advised by the scrutineers that all resolutions have been approved by more than the requisite majority and that those nominated have been duly elected as the directors of XS Financial Inc. I declare the motions carried and the nominees for the board of directors elected. Unless there are any questions from the floor, the chair would entertain a motion that the meeting be terminated. I move this meeting be terminated. I second the motion. I declare this meeting terminated. Thank you to all.