Welcome to the XS Financial Inc fourth 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 will 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 then zero. I would now like to turn the conference over to David Kivitz, CEO. You can go ahead, David. Thank you all for attending and welcome to our 2021 year-end earnings call. For everyone following our story, we are excited to continue our engagement and dialogue on the 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 presentations, news and upcoming events. After this call, we are releasing our year-end 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. 2021 was an opportunity for our team to grow revenues, operations, build and develop existing and new partnerships, prove out our business model and scale it, and put in place the foundation for our company to grow at a rapid pace in the coming year. We are also being recognized industry-wide as a premium alternative for non-dilutive CapEx and equipment financing. Importantly, the market opportunity for our business has never been better. Equity valuations on plant touching cannabis companies continue to decrease industry-wide, creating a deterrence for these businesses to raise equity capital. At the same time, our existing and target customers are growing their businesses at an impressive clip, requiring large CapEx infrastructure needs. Concurrently, many states continue to graduate from medicinal markets to adult use, and new states are coming online as they legalize. As a result, companies have limited optionality for institutional funding sources and are attracted to our competitive non-dilutive financing to purchase CapEx and equipment nationwide at scale that expands with them to address their rapidly expanding market. We are bullish and see significant runway ahead. Currently, our pipeline exceeds $250 million of CapEx financing demand, and in 2021 we committed to fund over $100 million to our current customers. With a focus on customer acquisition and a further expansion of our origination channels, we are looking at 2022 funding in an ambitious manner. Our team is continually working with potential partners to deploy our resources in a risk appropriate manner. We continue to evaluate favorable debt and equity financing opportunities to fund our growth, and in 2021 we capitalized on several fronts, including a milestone $43,500,000 financing of unsecured convertible notes, of which $33,500,00 was financed at closing, and the remaining $10 million is available on a deferred draw until June 2022. We closed a $15 million-dollar credit facility which remains currently undrawn, and we launched our syndication desk which raised over $5.7 million last year. We are currently satisfied with our total funding capacity, which currently sits at over $46 million of availability. However, we are always considering options to minimize our cost of borrowing and maximize all opportunities. In terms of financial results, our fourth quarter continued a very strong trend in 2021 and delivered increased revenue growth and monthly recurring customer payments. During Q4, we had $7 million in new lease originations and at year-end we had cumulatively closed $42 million of lease contracts, of which $34 million was closed in 2021. New lease transactions increasing in 2021 by 377% year-over-year was a huge accomplishment for the company and every member of the team, and a testament not only to our product offering resonating with customers and partners, but also our team's ability to close transactions which continues to increase faster and more transactions at a time. Our goal is simply to become our customers long term funding partner for CapEx and equipment, as they think about growth capital. Our success to date indicates that we have been meeting and exceeding these expectations with several of the largest customers in the industry. We are also constantly evaluating different and changing customer preferences. As our customers face increasing complexity and changing environments, we want to be there to support the growth with streamlined CapEx financing. We are also happy to announce that to date we have not had any defaults, missed payments or other issues with any of our active leases, which is evidence of our strong underwriting policies. Each potential customer is reviewed by our experienced credit team and investment committee through detailed diligence as well as qualitative and quantitative analysis. With our increased capacity for lending, we are anticipating larger scale opportunities for XS in 2022 and a more proactive approach in reaching out to potential customers as continued risk management will be key. Looking forward to 2022, we are expecting more frequent and larger drawdowns from our existing customers while they move into new markets and expand in existing states. We are very proud to partner with some of our industry leaders and know that we play a key role in their success. Further, we are continuing to see potential for margin expansion with our preferred equipment vendors as we bring more scale to our business and purchase larger volumes of equipment. XS is currently active in 16 states and continuing to achieve broad diversification across several existing markets. We are continually seeking expansion into these new markets as cultivators, processors, and manufacturers seek out trustworthy, transparent, and reliable funding for their CapEx needs, importantly, that can scale with them as they continue to grow. A major focus for management in 2022 is the diversification of our client and partner base while continuing to fund into our commitments to some of our largest customers. In Q4, we entered into a strategic agreement with urban-gro, allowing for XS to provide urban-gro clients with CapEx leasing solutions, as well as providing XS customers with access to urban-gro's vendors and enhanced purchasing power. In Q4, we also announced the appointment of Mr. Andrew Mitchell to our board of directors. Andrew's experience and unique background is a welcome addition to our team. So far, in 2022, we have added two new customers and have completed lease transactions totaling over $22 million, including a significant $12 million deal that closed just last week, and we expect larger funding volume over the course of the year. As previously mentioned, we are starting off 2022 set up for success, specifically regarding our ability to fund leases. We have started this year with a total funding capacity of $46 million, made up of $17 million of cash, $19 million of undrawn credit facilities, and $10 million of undrawn capital from our issuance of unsecured convertible notes, which means we can take a very aggressive approach toward revenue growth in 2022, which is really the first time XS has been set up to do so with a fully stocked balance sheet ready to approach the market for aggressive financing expansion. We will be focused on executing our 2022 plan to increase our number of closed leases, fund additional commitments, add new customers to diversify our portfolio, and monitor our capitalization in preparation for future needs while continuing to expand and strengthen our existing team where needed. With that covered, I would like to turn over the call to Nelson Lamb, our Chief Financial Officer, who will walk us through our Q4 and year-end results in further detail. Thank you, David. I will walk through the key points of our financial results for Q4 2021, focus on the significant financial transactions that have occurred during Q4, and summarize some of the encouraging trends we saw throughout 2021 and also subsequent to year-end. During Q4, we continued to build on our strong revenue numbers. Q4 revenue was $1.2 million compared to $311,000 for the same quarter last year, representing a very significant 281% increase. Our revenue increased each quarter during 2021. Looking forward, we are expecting this trend to continue as we leverage our existing partnerships and focus on diversifying our customer base in 2022. On an annual basis, our revenues were $3.2 million compared to $680,000 in 2020, a 367% increase. At the end of Q1 this year, we had 24 active leases, moving up to 38 active leases in Q2. For Q3, 51 active leases and finishing the year off with 63 active leases. Subsequent to year-end, our active lease count has moved up to 82. It's very encouraging both from a revenue standpoint but also an operations standpoint, that we are able to scale active lease counts and satisfy our customers' needs. Our monthly recurring lease payments continue to increase quarter-over-quarter from $0.3 million in Q1, $0.6 million in Q2, $1 million in Q3, and close out Q4 at $1.2 million of recurring lease payments. Subsequent to year-end, we have seen these monthly recurring payments continue in a positive direction and is closing in on $1.7 million per month. The average duration of our lease length is 45 months, providing consistent and reliable monthly cash flow for our operations. Administrative expenses for the 3 months ended December 31st, 2021, were $1.3 million compared to $775 thousand for the 3 months ended December 31st, 2020. The increase was primarily due to an increase in overall operations and non-cash incentive compensation for an option grant to directors, executives, and employees. Management continues to focus on and prioritize reviewing and containing controllable admin expenses at an appropriate level as we continue to scale the business. The company's reported loss for the 3 months ended December 31st, 2021, was $1.5 million, compared to a net loss of $667,000 for the 3 months ended December 31st, 2020. Our adjusted EBITDA for the quarter was a loss of $12,000. Looking into 2022, we are anticipating continued improvement in net income and EBITDA as our revenues continue to scale and outpace operational expenses. Moving to our balance sheet, as of December 31st, 2021, we had $17 million of cash compared to $25 million at December 31st, 2020. All of the cash that was received during our $10 million private placement completed in Q1 of 2021 was deployed, as well as a significant portion of the $33.5 million received from our convertible note issuance in Q4. The balance sheet and access to capital saw a significant transformation over the last half of 2021, with a $15 million term loan entered into in September, along with a $43.5 million financing completed in November. As a snapshot, our portfolio of gross receivables have increased during the current year from $12 million in Q1, $26 million in Q2, and up to $38 million in Q3, finishing 2021 with $44 million in gross receivables. Subsequent to year-end, we have seen continued increases, and we are closing in on $70 million gross receivables at the current date. Our active lease schedules more than tripled since our last year-end, at which time we had 16 active leases compared to 63 lease schedules at this year-end, along with additional leases closed since then. Working capital at year-end was a positive $19 million compared to a working capital deficit of negative $2 million at December 31st, 2020. David mentioned this earlier, but it's key to point out that from one year ago to today's date, we have completely transformed our capacity for building out our business and capitalizing on opportunities as they come up. Another very positive development during our fourth quarter and year-end was the removal of our going concern footnote in our financial statements, indicating that the company has reached a higher level of financial stability and that the uncertainty about our financial future has decreased to the level of an established company. We are very pleased with our results in 2021 and encouraged that on a quarter-by-quarter basis, we were showing consistent gains and improvements over the year. As David mentioned earlier, we are very excited about where we have maneuvered to start 2022, and we are looking forward to sharing more positive results and news with our investors, partners, and stakeholders. I will now turn it back to David. Thank you, Nelson. With that, we will now open the floor for audience questions. We will now begin the question and answer session. To ask questions, you may press star then one on your telephone keypad. You will hear a tone acknowledging your request. If you are using speakerphone, please pick up your handset before pressing any keys. To withdraw your question, please press star then two. We will pause for a moment as callers join the queue. David, one of the questions received is, you referenced that you currently have over $250 million in demand in your pipeline. Can you please expand on that in detail? Who and what makes up this pipeline figure? Any number of different markets nationwide. Some of that might be for expansion for existing customers, some of which are multi-state operators who have, you know, existing markets across the nation. Some are smaller regional MSOs and also single state operators with domain expertise and infrastructure built out in one state. I am pleased to report that not only are we reviewing a significant number of transactions, as mentioned, by the question, but also that much of the pipeline is past the point of initial discovery, meaning we are in stages looking at either proposals, executed proposals, and now in due diligence, and feel that we have visibility into a significant funding pipeline that can be expected through the balance of the year. You know, of the $250 million that is being reviewed, it's comprised, I would say, largely of larger operators with substantial operations, you know, which is one of the key tenets that we are looking for, whether operating in one individual state or several states, who are also running at profitability and producing cash flow. You know, within that pipeline, we have seen quite a few customers who fall into that band, and we are excited to come out and announce, you know, hopefully several deals and new financing opportunities through the balance of the year. Thank you. Another question received is, looking forward to later in 2022 or early 2023, what type of financing would the company be looking into when the current funding capacity becomes maxed out? Do you expect any issues in raising funds given the current market conditions? That's a great question. You know, I think primarily, you know, we have stated, you know, previously and, you know, one of the things that we are focused on is finding non-dilutive, attractively priced capital. You know, at the end of the day, we, XS Financial, are not a plant-touching cannabis company. As a result of both that and kind of a very well understood supply, recurring revenue base, we have a stream of payments that we receive from customers. We think it's not only very easy to understand, it's secured by all of the equipment and CapEx that we finance. Of course, we have guarantees from all of our borrowers. When you look at that, leveraging our stream of cash payments that we receive from our customers, we think is achievable. So much so that, you know, as Nelson mentioned previously, we closed two lines of credit towards the second half of last year. As a result, we will be able to grow the portfolio significantly, improve our financial results substantially. We believe that we will find a well-priced and non-dilutive line of credit that we can expand our business with, well beyond that we have closed to date. Thank you, David. This concludes the question and answer session. I'd like to turn it back to you for any closing remarks. I appreciate that. I'd like to say on the back of 2021, it's a banner year for the company as evidenced by much of the revenue growth, new leasing activity. We're excited about 2022. As noted in the press release as well as some of the updated portfolio statistics that we just provided. We've recently closed the largest amount of leasing activity in our company's history here in the first 4 months of 2022. We expect to expand and have another breakout year for the company. I think for listeners in the audience, stay tuned. We have a lot more coming, a lot more customer announcements to follow, as well as some exciting things happening in the business, which we're excited to get into our audience's hands and for everyone to understand the updates from the business and where the company is heading. Beyond that, team did an excellent job performing and executing through the balance of the year and into 2022. We feel like our foundation is well set, and we are looking forward to expanding upon that this year. This concludes today's conference call. You may disconnect your lines.