Welcome everybody to this quarter three presentation of the Insr development and result. My name is Niclas Ward, CEO of the company, and I'm joined today by Gunnar Ørnes from the finance department, who will take you through this together with me. We can move to the next slide. Just to give you an overview, I will start with some highlights, then Gunnar will come in to do a financial review, and I will present the outlook and conclusion. As the start of this meeting, I'd also like to say that we would gladly take any questions, and we'll take them at the end. You're most welcome to send the questions already throughout the presentation. There is a time lag from when we talk until you hear us, so if we wait with writing all the questions to the end, there might be difficulties in catching all of the questions that you send us. If you move the mouse over the video, you will get a question icon. Click on that, and you can write your question. You can take the next slide. As already mentioned in the quarter two presentation, Insr now has agreements to transfer all the insurance risks out of the company. We'll go into a bit more details on the next page. If we focus on the quarter three results, that is, a loss of NOK 43.4 million, and the yearly loss this far is NOK 64.3 million. The quarter three result is negatively affected by mainly two things. The first one is the payment that Insr has given to DARAG in connection to the agreement. DARAG takes over all the insurance risks and all the reserves from Insr, but Insr also needs to pay a premium for DARAG to do that. That's one part. The second part is that in the agreement with DARAG, they take over all the insurance business from the first of April. Thus, we have had to reverse the quarter two insurance result in the quarter three numbers. It's the cost of the agreement, and it's the reversing of the quarter two results. The year-to-date result of a loss of NOK 64 million is also affected by NOK 20 million loss in quarter one, which was due to runoff losses, that is then older insurance years, but also costs, administration costs. Quarter two isolated was pretty much a zero result. A positive effect in the quarter three result is the commission from Storebrand. The transfer of the active portfolio to Storebrand has continued to develop very well, and it supports the quarter three result with almost NOK 90 million. In total, there is a positive effect of NOK 50 million this year. In total, the transfer of customers to Storebrand has given Insr about NOK 190 million, whereof NOK 140 million was booked during 2020, and the rest has come during 2021. The solvency after quarter three is 200%, and the MCR, the minimum solvency ratio, is 125%. The reason for why that is lower is that there is an absolute minimum capital requirement of 41 million NOK. That's the reason why the MCR is lower than the SCR. You can take the next slide. A bit of repetition. In mid-August, Insr signed two agreements with DARAG Deutschland that secures the transfer of all the remaining insurance risks for Insr. First one is what's called a loss portfolio transfer agreement. That transfers all the insurance risks to DARAG. They reinsure the remaining risks in Insr. The second agreement is a portfolio transfer agreement, which means that Insr transfers all the risks to DARAG. They actually take over all the customer connections and all the risks connected to that. The PTA is dependent on approval from Norwegian and German regulators. We expect this process, both the approval and the portfolio transfer agreement, to come into effect during December this year. When that is done, Insr is ready to hand back the insurance license and thus be done with the insurance operations. You can take the next slide. Also to give a bit of perspective on the journey during the latest year. It was decided to wind down the insurance business in October in 2020, and since then these have been the main steps. All the active customers have been transferred to Storebrand from the first of December 2020, mainly in connection with the renewals that they have had. We also made a bit of an accelerated transfer, that has been going well as well. Customers have then been transferred outside of the regular renewal dates. The claims handling was moved to Sedgwick. Insr had definitely some parts of specialty insurance, whereof AmTrust took most of that, and the remaining part is included in the DARAG agreement. Insr's share of the natural perils pool was transferred to Storebrand at the end of quarter two this year. The run-off risk transfer was agreed then in August 2021, and that is then the agreements with DARAG. The plan, as I said earlier, is to have no insurance risk in Insr at the end of 2021. We are of course in quite intense process now, mainly together with DARAG, but also the final parts with Storebrand and AmTrust to secure that we transfer not least all the systems and the data that needs to be transferred to those counterparties. Also to secure that reinsurance is novated from Insr to DARAG, and that DARAG can take over the reporting. This is, as I said, intense and a complicated process. We are making progress and doing well. However, it still needs several steps to be taken until we are at the end of this line. Of course, as mentioned also, we are awaiting the approval from Norwegian and German regulators. The plan is to have everything done in December, but it's of course not a risk-free journey with only a month and a half left of the year. Another important part is, of course, that we are ending business contracts, especially on the insurance side, but also all other contracts to secure that we don't carry any unnecessary costs. With that concluded the first part of this presentation, and I hand the word to Gunnar, who will go a bit more into the details on the financial review. Thank you, Niclas. I'm going into the financial review, and here you see the table of the financial income. I should mention two things before I go into the figures. The first is that we now are in the situation where both Norwegian and the Danish business have the same status when it comes to the discontinued operations. Before Q3, we had the Danish has discontinued, and the Norwegian has continued. The consequence of that is that we can present the income statement combined, and that is what you see here. This has no effect on net results, and it has no effects at the balance sheet or equity. The other thing I should mention is that when the times go further, it's more and more difficult to compare the Insr's result for 2021 with 2020. That's of course because of the wind down process in general. Because of the DARAG deal in Q3, that is no more relevant. To look into Insr as a traditional insurance company is not relevant at the same meaning as before. And use loss ratios and so on is not relevant. When it comes to the net results, the net result is NOK -43.4, and what is actually the main drivers behind these figures? We can go to the next slide. I mentioned three things here. The first is the LPT agreement. As Niclas mentioned, it has big consequences on the balance sheet because of the elimination of the insurance risk and also decrease in investment portfolio due to the contribution of cash as a consequence of the deal. I think we communicated in Q2 that we expected a loss from the contract between NOK 40 million and NOK 50 million, and here you see the results actually, NOK 46.9 million is the costs related to the agreement and the cost we had to pay because of the transfer. I think Niclas mentioned some of the elements of that figure. The second issue here is the portfolio transfer to Storebrand. During Q3, Insr had transferred live portfolio more than NOK 500 million and have received commissions from that. In Q3, they amounted to NOK 19 million. Year to date, it's NOK 51 million, and we could take NOK 140 million to income in 2020. Altogether, the commission from the live portfolio transfer is NOK 191 million. The third issue here is operating costs. We have had large focus on the cost side when winding down the business. You can see it on the amount of employees, the use of consultants, IT systems, and so on. The figures show then NOK 21 million used for operational costs in Q3, and compared to the same period last year, that's a big decrease. You can go to the next slide. We're going over to the balance sheet, the solvency, and we describe it with the effects from the solvency calculations. As you see here, solvency ratio at the end of Q3 is 200%. It has actually increased every period during the year. It's important to mention here the nominal effects as well. As you can see, the eligible capital decreased from NOK 148 million to NOK 57 million from Q2 to Q3. The SCR to cover that, the requirement is actually nominal 100, a decrease of 121-29. The nominal margins are decreasing significantly. The second issue here is the MCR. The MCR margin is 125%. And also here we see a decrease in nominal margins. The requirement here is, the floor here is actually the absolute minimum capital requirement at NOK 41 million. We should mention then that, because of the relatively low nominal margins and still a balance sheet of more than NOK 800 million, these margins are quite sensitive going forward. Next slide. I think we mentioned this slide also in the Q2 report or presentation. It's a repeat actually, but it illustrates quite well the situation of Insr at this stage. As mentioned, the DARAG agreements consist of two agreements, the loss portfolio transfer agreements, which are in force, and the portfolio transfer agreement, PTA, which are conditional on the approval from Norwegian FSA and German FSA. Before the LPT, the main risk factor was insurance risk. You see it's illustrated by the red area at the left side of this slide. Also, market risk decreased significantly because of the LPT, because of the cash distribution to DARAG. In between the LPT and PTA, as mentioned, the insurance risk are eliminated, and the main risk factor is actually counterparty default risk related to our reinsurance, that's the main and most important counterparties. When it comes to a PTA situation, the ambition there is to get rid of all the risk related to the insurance part of the business. Then we are able to hand in the license for the insurance license. At the end, we should consider the regulatory risk and the timing risk related to the completion of the agreements. It's important for Insr, and we work hard to complete this before year-end, but we should be aware of this kind of risks as well. That was the financial review. I'm then ready to hand over to Niclas again. Thank you, Gunnar. Let's look at the final part of this presentation. We can go to the next slide. If we look at the situation now as we have presented, we are awaiting the approvals for the PTA from the Norwegian and German regulators. Assuming that we get those, the most likely development as we see it for Insr going forward is first and foremost to complete the PTA agreement with DARAG, put that into effect. The step after that, as both Gunnar and I have been into earlier, is to return the insurance license or get that taken away from Insr. After that, we see the most likely development as applying for a delisting from the Oslo Stock Exchange, then close all the non-insurance issues that are left in the company after the insurance license is returned, and as the final step then a closing of the company. It should, of course, be pointed out, and it is very important that both a possible delisting and a possible closure of the company are, of course, depending on decisions by the shareholders in general meetings, most likely then extra general meetings. If there are other options to closing the company, they will of course be reviewed. If we look at Insr, the potential values after the license is returned, they're mainly the listing on the Oslo Stock Exchange and the deferred tax losses of the company. However, we see the likelihood that any of these potential values are made available to the Insr shareholders, both uncertain and affected and constrained by Norwegian tax regulations. I'll also like to mention that there have been different options reviewed during this entire period of the wind down process from the summer 2020 and onwards. This far, none of those have materialized. Based on that development, based on the situation the company is in right now, this is how management and the board see the most likely development for the company. As mentioned, possible options will of course be reviewed, but we'd like to be clear on that this is where we are today. If we take the next and final slide. To sum up, Insr has agreements to transfer all the insurance business out of the company. Depending on approval from Norwegian and German regulators, we are ready to transfer all the insurance risk out of the company and return the license. I'd like to point out again, it's an intense and complicated work. I think we're well underway, but it's definitely risks in that process. The key thing is, of course, also to keep control of the solvency and the financial situation. As Gunnar Aarnes pointed out, the organization has definitely shrunk during the last year, and we are aiming to work as efficiently as possible. However, that of course creates risk on a time perspective. The longer things take, the harder it is to succeed with all the tasks. We're focusing on really succeeding to deliver all these things during 2021. The best forecast we have now for the end game is a small positive net equity in line with what was communicated or marginally better than what was communicated in Q4 2020. However, there is still a wide range of outcomes. The biggest insecurities I would say is the timing issue. If things take longer, that is a negative effect on the net equity. As Gunnar pointed out, there's still a large balance sheet and changes in that can affect. We also have some relations and conflicts with different partners that need to be solved that can affect the financial outcome. Best forecast is a small positive net equity, but there are definitely different possible outcomes, and some of those are challenging for the company. To then again sum up the most likely development as we see it is return of the insurance license, a delisting, and the closure of the company. That is where we are today, and that also concludes this presentation. Thank you for listening, and I'll see if there are any questions that have come up during the presentation here. When it comes to questions, it's no questions so far. Oh. We'll close due to the time lag. If you have a question, please write it as quickly as possible so that we have the possibility to get it and answer it. No questions have come, so I interpret that there are no questions at this point in time. If there are questions and we miss taking them here, you are of course welcome to contact us directly via email, so we'll answer the questions then. With that, I thank you all for looking at the presentation and listening to us, and wish you a continuously nice Wednesday. All the best.