Welcome to the XS Financial Inc. Third Quarter 2021 Results Conference Call. As a reminder, all participants are in listen-only mode, and the conference is being recorded. After the presentation, there'll be an opportunity to ask questions. To join the question queue, you may press star, then one on your telephone keypad. Should you need assistance during the conference call, you may signal an operator by pressing star and zero. I would now like to turn the conference over to David Kivitz, CEO. Please go ahead, David. Thank you all for attending, and welcome to our Q3 2021 earnings call. For everyone that has been following XS Financial, we are excited to continue our engagement and dialogue of the continued operations of the company and appreciate your attendance. As always, I would encourage everyone to visit the investors section of our website, xsfinancial.com/investors, which has our most up-to-date corporate presentations, news, and upcoming events. After this call, we are releasing our third quarter 2021 financial statements and MD&A, which can be found on sedar.com. We will be taking questions at the end of the call, so feel free to send in any questions you might have. I would like to start off by focusing on some significant transactions that we have completed over the past few months that have materially transformed the company's financial position for the future. Management is continually exploring favorable debt and equity financing opportunities, and in September, we closed a $15 million credit facility with the Garrington Group of Companies that provided XS with non-dilutive financial flexibility while opening a new channel of capital available to the company. In addition, earlier this month, we closed a $43.5 million financing of convertible notes, of which $33.5 million was financed at closing, and the remaining $10 million is available on a deferred draw until June 2022. The funding was led by a large institutional investor with participation from one of our strategic partners, urban-gro, along with Landrace Financial, Bengal Capital, and KEY Investment Partners. This financing is a transformative step for XS, and we are well-capitalized to expand our position as the market-leading CAPEX financing company to the U.S. cannabis industry. The ceiling for XS is far beyond where the company is currently performing, and we are excited to continue our portfolio expansion, which will drive shareholder value. During Q3, we had $13 million of new lease originations, and to date, we have cumulatively closed $37 million of lease contracts. Our current pipeline exceeds $100 million in CAPEX financing demand, and year to date, we have reviewed over $300 million of transactions. Having solidified our capital base, we are looking to deploy our resources in a rapid and risk-appropriate manner to build out our existing and potential pipeline. The confidence shown in XS by our existing customers continues to grow as we evolve and scale our overall business. Our emphasis on a partner experience with our existing customer base is part of the unique product offering that solidifies our relationships with our customers. Our third quarter continued a very strong upward trajectory and delivered increased quarter-over-quarter revenue growth, a significant increase to our monthly recurring payments, and our most profitable quarter to date from an adjusted EBITDA point of view. Our adjusted EBITDA as a percentage of revenue was 43%, indicating we are trending upwards towards sustained positive growth. We continue to emphasize and focus on other supplementary value-added activities such as new partnerships, which I will cover later on in the call. Our Q3 financial highlights, along with the recent financing, have started to shine a light on the long-term potential for XS. While we build on our past success with some of the largest multi-state operators in the U.S., we have seen other pipeline opportunities recently developed with established players in the industry seeking our financing solution. Looking at our closed leases during Q3, we achieved 56% quarter-over-quarter growth, which provides confidence that our product is well accepted by the market and our customers. Our closed leases have accelerated tremendously over the past year, and as a reference point, one year ago, we had cumulatively closed $3.2 million of leases versus today at $37.4 million. During the same time, our active lease schedules have grown from eight to 58. We believe this is a testament to our ability to close lease transactions at an increasingly rapid pace. In our quarterly press releases as well as on our website, we regularly provide a portfolio snapshot to show incremental progress we have achieved, specifically on a quarter-by-quarter basis, so I would encourage you to visit our website under the investor section. We evaluate each potential customer with detailed diligence and from a wealth and risk perspective. Our experienced investment committee evaluates each new partner as well as existing partners seeking upsized commitments. To date, we have experienced no defaults, missed payments, or other issues with any of our active leases. Understanding the cost of capital and the dynamic requirements of our customers, while at the same time ensuring the financial health of our financing arrangements, is the crux of our business. Our most recent financing will allow for larger scale opportunities for XS and a more proactive approach in reaching out to potential customers. As I'm certain you can appreciate, as we scale and build our business, we are seeing more frequent and larger drawdowns from our existing customers while they themselves are working toward expansion and the entrance into new untapped markets. Expectedly, as our industry-leading customers and partners continue their own trajectory, they have continued to utilize and rely upon XS to satisfy their CAPEX financing requirements. This is evident by the upsizing of existing facilities that we have seen over the past few quarters. At the same time, we are seeing the potential for margin expansion with our preferred vendors as we bring more scale to our business. XS continues to be active in 15 states, and we realize that to be successful in our industry, we need to provide value-added services to our partners, whether it be through procurement services, structuring of terms, or other requirements that our customers are seeking. Our broad diversification across several existing markets continues to serve our company, and we are continually seeking entrance into new markets as cultivators, processors, and manufacturers seek our trustworthy, transparent, and reliable funding for their CAPEX needs. Management is focused in the short and long term to diversify our client and partner base. In October, we entered into a strategic agreement with urban-gro, which allows for XS to provide urban-gro clients with CAPEX leasing solutions, as well as providing excess customers with access to urban-gro's vendors and enhanced purchasing power. We are excited about the partnership's ability to reach new customers while at the same time providing existing partners with favorable purchasing power. It was with enthusiasm that we recently announced the appointment of Mr. Andrew Mitchell to our board of directors. Andrew's unique corporate background and experience is welcomed by the company, and we are also pleased to report that our board is now comprised of an independent majority, which offers additional transparency, oversight, and strengthened corporate governance for our shareholders. One last point, and I know that I've covered this a few times, but we are extremely excited about our recent financing and the position that it puts XS in to work toward focusing on rapid growth, delivering continued positive results through key metrics and pipeline expansion. We worked extremely hard along with many partners to close this financing and believe that it is truly a watershed moment for XS. With that covered, I would like to turn the call over to Nelson Lamb, our CFO, who will walk us through our Q3 results in further detail. Thank you, David. I will go through the key points of our financial results for Q3 2021, focus on the significant financial transactions that have occurred during the quarter, as well as summarize some encouraging trends that we saw both in Q3 and also subsequent to quarter end. During Q3 2021, we continued to see increased revenue numbers, which in Q3 was $0.998 million compared to $0.562 million in Q2, representing a 77% quarter-over-quarter increase. Looking back to our Q2 comparison to Q1, revenue increase as a percentage was 35%. We are seeing not only positive revenue expansion on a numerical basis, but also percentage-wise quarter over quarter. Support and demand has been strong for our financing solutions from our existing partners such as Ayr Wellness, who during Q3 upsized their lease facility to $21.4 million, representing our largest commitment to date. It has been an encouraging trend that quarter-over-quarter, our existing customer base continues to look to XS Financial to support their growth and expansion requirements from a financing perspective. At Q1 of this year, we had 24 active leases. Moving to Q2, 38 active leases. Q3, 52 active leases. And this is nearing 60 active leases subsequent to quarter end. That should hopefully convey the speed and effectiveness at which we have been able to initiate financing leases on an individual level over the past five months. Our monthly recurring lease payments has continued to increase from $0.293 million in Q1 of this year to $581,000 in Q2, up to $0.98 million at Q3, and has since moved north of $1 million, which is a milestone achievement for the company. Looking forward into Q4 and beyond, we are expecting to build on this strong, consistent source of cash flows for the company through portfolio and pipeline expansion. The average duration of our lease length is 46 months, which provides us with consistent, reliable cash flow moving into our future operations. Administrative expenses for the three months ended September 30, 2021, were $1.1 million, compared with $0.36 million for the three months ended September 30, 2020. The increase was primarily due to non-cash incentive compensation for an option grant to directors, executives, and employees of $381,000, which was in line with our newly established short-term and long-term incentive plan, for which we engaged a third party to establish. We also had a few significant non-recurring projects during the quarter, for which we incurred $0.181 million of legal, audit, and accounting expenses. Management continues to focus and prioritize on containing controllable administrative expenses at an appropriate level as the business continues to scale. Selling and marketing expenses for the three months ended September 30, 2021, were $71,000 compared to $64,000 for the three months ended September 30, 2020. Looking forward, an increase in selling and marketing cost is expected as we move to grow the size and diversity of our portfolio. We anticipate, and we have seen over the past few quarters, that as a percentage of revenues, these costs have been in line with management's expectations, if not more favorable than expected. The company's reported loss for the three months ended September 30, 2021, was $0.628 million. As mentioned previously, we did have some non-recurring expenses during the quarter of $0.181 million. Taking that into consideration, along with total non-cash equity compensation of $0.41 million, our adjusted EBITDA for the quarter was positive $0.433 million, which is by far the strongest quarter to date from an EBITDA perspective. Moving forward, we are anticipating further improvements in net income or loss and EBITDA through Q4 and into the next fiscal year from an expected increase in leasing activity and prudent management of our controllable operating expenses. Moving briefly to our balance sheet, as at September 30, 2021, we had $4.3 million of cash, compared to $0.5 million as at December 31, 2020. All of the cash that was received during our $10.7 million private placement completed in Q1 of this year has been deployed. David mentioned it earlier, but our balance sheet and access to capital has seen a significant transformation over the past few months, primarily due to our $50 million term loan entered into September, along with our $43.5 million financing completed earlier in November. From a capital deployment standpoint, we are in the strongest financial position that our company has ever been in, so it's an exciting time for us to focus on portfolio growth and customer expansion with heavy support behind us. As a snapshot, our portfolio growth receivables have increased during the current year from $12.2 million in Q1 to $26 million in Q2, and up to $38.8 million at Q3. Our active lease schedules have more than tripled since our last year end on December 30, 2020, at which time we had 16 active leases, compared to our current count of 52 lease schedules at September 30, 2021, along with an additional six leases closed since Q3 quarter end. Overall, from a financial point of view, we were very encouraged by our third quarter results and look forward to Q4 with positive optimism for where the company is headed. I will now send it back to David. Thank you, Nelson. With that, we will now open the floor for audience questions. Thank you. We will now begin the question and answer session. To join the question queue, you may press star, then one on your telephone keypad. You will hear a tone acknowledging your request. If you are using a speakerphone, please pick up your handset before pressing any keys. To withdraw your question, please press star, then two. Once again, to join the question queue, please press star then one now. Once again, if you have a question, please press star, then one now. There are currently no questions from the phone line. I would like to turn the conference back over to David Kivitz for any closing remarks. Thank you. Appreciate everyone's attendance today and participation on the call. Look forward to continued positive performance on a financial basis as well as the expansion of the portfolio as we continue forward towards the next year-end report and Q4 earnings release. With that, I would like to close the earnings release call and appreciate and thank everyone who has attended. This concludes today's conference call. You may disconnect your lines. Thank you for participating and have a pleasant day.