Good day everyone, welcome to the Better Home & Finance Annual Meeting. Now, I'll turn the call over to your host, Chairman Harit Talwar. Please go ahead, Harit. Thank you. Good afternoon, welcome to the 2026 Annual Meeting of Stockholders of Better Home & Finance Holding Company. I'm Harit Talwar, the Chairman of the Board of Directors. I would like to thank everyone for attending. I now call the meeting to order. I will act as Chair of this 2026 annual meeting with Paula Tuffin, our General Counsel, Chief Compliance Officer, and Secretary, will act as secretary of the meeting. Before getting to the substance of today's meeting, I would like to make some introductions. We have various Board members who have joined, we welcome that. Also, Paula Tuffin, General Counsel, Chief Compliance Officer, and Secretary of Better. Loveen Advani, Chief Financial Officer of Better, also Vishal Garg, who is here in his capacity both as Chief Executive Officer as well as a member of the board. Now, I would like to turn the meeting over to Ms. Tuffin. Thanks, Harit, good afternoon. The company has appointed Broadridge Financial Services to act as inspector of election. Michael Barbera from Broadridge is with us today and has taken the oath of Inspector of Election. We are also joined here today by Esteban Dentice and Ryan Tormey of BDO, Better's Independent Auditors. They will be available during the question and answer session after the meeting to respond to appropriate questions. After the formal meeting has been adjourned, we will provide time for general questions. Only validated stockholders may ask questions in the designated field on the web portal. Out of consideration for others, please limit yourself to one question. The notice of Internet availability of proxy materials was mailed on or about April 30th, 2026, to all stockholders of record as of the close of business on April 15th, 2026. A list of stockholders as of the record date has been on file at our corporate headquarters for the last 10 days and has been available for inspection by any stockholder during that period. In addition, the stockholder list is available to view through the annual meeting web portal. I now present the affidavit of distribution of the notice of Internet availability of proxy materials. Thus, this meeting is being held pursuant to proper notice. I have also been informed by the inspector that proxies representing a majority of the voting power of the shares issued and outstanding and entitled to vote at the 2026 annual meeting have been received. Thus, a quorum is present, and the meeting is duly constituted and may proceed. Thank you, Paula. The secretary's quorum report is accepted. I direct that the affidavit of distribution be made part of the minutes of today's meeting. Now I will present the matters to be voted upon. Please note that we will give stockholders an opportunity to comment on the proposals themselves after all proposals have been presented. The first item of business is the election of Directors. Eight Directors will be elected at today's meeting. The elected Directors will hold office until the 2027 annual meeting and until his successor is duly elected and qualified. Each Director's respective background and experience are described in our proxy statement. The following persons have been properly nominated for re-election to the board: Harit Talwar, Vishal Garg, Michael Farello, Arnaud Massenet, David Barse, Hugh Frater, Bhaskar Menon, and Prabhu Narasimhan. Our bylaws require that any stockholder wishing to nominate a Director provide advance notice of the intention to do so. No such advance notice was received. No such notice was received, I declare the Director nominations closed. The final item of business is the ratification of the appointment of BDO USA, P.C. as the company's independent registered public accounting firm for the year ending December 31st, 2026. Information regarding the appointment of BDO is contained in the proxy statement. If any stockholder would like to submit a question or comment regarding any of the proposals, please submit your comment through the web portal. No further business is scheduled and because our bylaws require advance notice for any other stockholder proposals to be properly brought before this meeting, I declare the polls open at this time. Any stockholder who hasn't yet voted or wishes to change their vote may do so by clicking on the voting button on the web portal and following the instructions. Stockholders who have sent in proxies or voted via telephone or Internet and do not want to change their vote do not need to take any further action. Now that everyone has had the opportunity to vote, I now declare the polls closed and direct the inspector to tabulate the proxies and the ballots. Thank you, Harit. Based on the votes that we have received via proxy, I have a report on the preliminary results of the matter submitted to a vote. I have been advised by the inspector that all of the nominees for Director have received a majority of the votes cast at this meeting in favor of re-election as a Director, all of whom are to serve until the company's 2027 annual meeting and until his successor has been duly elected and qualified. In addition, the inspector has advised me that we received the required number of votes for the approval of Proposal Two, as contained in the proxy statement. The inspector will provide me with a written report of the final vote count for each matter, which will be included in the minutes of today's meeting. We will release the final vote count through filing a Form 8-K within four business days. Thank you, Paula. Before we close, our CEO would like to say a few words. Vishal? Thank you, Harit. I want to thank shareholders joining us across the United States and around the world. We appreciate your continued support and engagement. Since 2016, Better has pursued a singular mission to make homeownership cheaper, faster, and easier for Americans. Since our last annual meeting, Better has made meaningful progress across our key strategic priorities. In Q1 2026, funded loan volume grew 89% year-over-year, and revenue grew 52% year-over-year after normalizing for Birmingham Bank. We have a broad product range and diversified channels. We have scaled home equity lines of credit to be a meaningful contributor to our revenue. The HELOC market represents a significant and largely underserved addressable opportunity, and we believe our AI-enabled platform is well positioned to increase penetration and capture market share. Our distribution has diversified. Tinman AI Platform partnerships accounted for approximately 50% of first quarter 2026 revenue, reducing our historical dependence on direct-to-consumer channels and broadening our revenue base. We completed a capital raise in Q2 2026, strengthening our balance sheet to support continued growth and operational execution. In the U.K., we made the decision to sell Birmingham Bank, allowing us to focus resources on our core U.S. mortgage business. On compensation, the majority of equity grants to our senior team are structured as Performance Share Units rather than traditional time-based awards. While these PSUs include a four-year time-based vesting component, they're earned only upon achieving meaningful stock price and revenue-based performance milestones. The PSUs will vest in four equal installments of 25% each upon achievement of the following performance milestones. A 90-day average closing stock price of $50, a 90-day average closing stock price of $90, an annualized Tinman AI Platform revenue run- rate of $150 million, and an annualized AI Platform revenue run- rate of $300 million. Management's interests are intended to closely align with those of our shareholders and with the long-term growth of our technology platform. Finally, profitability. Management is deeply focused on achieving adjusted EBITDA breakeven by the end of Q3 2026. Thank you for your continued confidence in Better. We remain focused on our mission and strive to create increased value for our shareholders by delivering on it. Thank you, Vishal. There being no further business to come before the meeting, the annual meeting of stockholders of Better Home & Finance Holding Company is now adjourned. We would like to open things up for the stockholder questions and comments. We can begin with a few. Have we received any so far? There being no questions or comments, that concludes our meeting. We thank you for your attendance today and continued support. Thank you. Have a great day. That concludes our meeting today. You may now disconnect.