Good afternoon. I'd like to introduce our next presenter of the day, Bill Ulrey, with IDT Corp. Welcome! Thank you. Thank you so much. Thank you all for coming today. Before we get started, I just wanted to thank the LD Micro team for again, for putting together a great conference, as always. Today you're gonna hear from IDT's Chief Executive Officer, Shmuel Jonas, and Chief Financial Officer, Marcelo Fischer, who are gonna walk you through our businesses. But before we get started, just a note that the presentation today is based on our fiscal year, which ends on July 31st, and so it runs through the second quarter of 2024. That's the three months ended January 31st of 2024. And so when we talk about TTM, it'll be the 12 months ended January 31st, 2024. So IDT operates six primary businesses. The ones you'll see on the left-hand side of your screen there are our high-growth, high-margin businesses, and we'll be focusing our presentation today on those three businesses. The businesses on the right are in our traditional communications segment. Two of those three businesses are legacy businesses, but together, the three of them still generate abundant cash flows, which are used to invest, fund our buyback programs and our dividend. Just a quick overview. We're headquartered in Newark, New Jersey. We have 2,000 employees. About a third of those work on our technologies, on our various platforms. And we have a long history of monetizing, nurturing businesses within IDT, scaling them up, and then monetizing them through either sale or spin-off. So there are actually five public companies that we have spun off since our inception in 1990. Four of them are still public companies today. Our market cap currently is just under $1 billion. We generate $83 million in EBITDA TTM. We're increasingly profitable, and we have a very strong balance sheet, fortress balance sheet, with about $178 million in cash and near cash and no debt. So now I'm gonna turn the presentation over to IDT's CEO, Shmuel Jonas, to walk you through the first of our high-growth, high-margin businesses, National Retail Solutions. Hi, everyone. Good morning. Good afternoon. Okay, so National Retail Solutions is our point-of-sale business. We have point of sales in approximately 27,000 locations and about 30,000 POSs. It... We have about $82 million in recurring revenue. 53% of it is from merchant services, 36% from advertising, and 11% from SaaS fees. And we have a couple of new products that we just launched. One is kiosks, which we hope to put in almost all of our stores, as well as a tablet-based POS system for smaller retail, smaller retailers, as well as restaurants. I guess this is our active terminal base. We service mostly c- stores, liquor stores, and tobacco shops. And I spoke about the rest, I guess. We had 68% growth in merchant services, 45% in NRS Pay accounts, and our average revenue has gone up as well. This is basically our advertising and data revenue. We hope that it looks more linear going forward. This is our SaaS fees. Basically, we haven't really increased any of our SaaS fees. This is mostly just from a larger percentage of our customers moving on to higher plans, and we expect that to actually continue much more rapidly. This is our adjusted EBITDA. Again, we also expect this to grow more rapidly as well. net2phone. So we have two parts to the business, UNITE, which is our UCaaS business, and our uContact business, which is our CCaaS business. We actually have a goal of combining them more so that our uContact part of the business will service more small, rather than call centers, which is what it services today. We'll service more of our customers already with, with, I'll say call center functionality. We call it call center lite. These are the different partners that we sell through. It's mostly a channel-based business. This is our subscription revenue and our seats revenue. So we've grown about 19% year-over-year, and our CCaaS revenue has grown 47%, and our total seats served have grown 15%. Our adjusted EBITDA is getting close to 10%. Hopefully, we'll get it well above that this year. These are the current drivers, as I said, higher ARPU from CCaaS revenue, which, as I said, we're putting on to more and more of our small customers. We're also adding net2phone AI onto it, which some of you have tried already, and if you haven't, we're happy to show it to you. And everything else you can read. And now I'm going to turn the floor over to Marcelo Fischer. Thank you, Shmuel. BOSS Money is our international money remittance business. It generates about 90% of the revenue in our Fintech segment, which also includes much smaller early-stage initiatives. Sending money back home was and is a primary economic activity for most first-generation immigrants, millions of whom were already our customers. So money transfer was a very natural fit for us. So we built this business from the ground up, starting about 10 years ago, and today we are handling roughly about over $4 billion in transfers annually. BOSS Money remittances originate predominantly within the United States, and our payout network reaches over 50 countries, with a focus on Latin America, the Caribbean, and Africa. BOSS Money goes to market through two distinctive channels. We have the in-store retail channel and the direct-to-consumer channel, which uses our highly regarded BOSS Money and also the BOSS Calling apps. Our money transfer business is really growing nicely. Transaction volumes increased by 37% year-over-year in the second quarter, with strong contribution from both the retail channel and the direct-to-consumer channel. Our growth strategy is really multi-pronged, but is focused primarily on efficient customer acquisition through cross-marketing within our base of roughly 5 million BOSS customers. Although we are still a small player compared to the more established brick-and-mortar operators in this market, we are growing our presence quite rapidly. Boosted by the strong expansion in transaction volumes, which I just showed you, BOSS Money revenue increased 42% year-over-year in our most recent quarter, Q2, achieving an annual run rate now of $100 million per year, with robust growth at both our retail and direct-to-consumer channels. Money transfer businesses generally operate more efficiently as they scale, and for us, similarly, the economics of BOSS Money are continuous, continuously improving steadily as we grow. As it continues to scale, BOSS Money is positioned to become a really meaningful cash generator and contributor to IDT's bottom line. Now that you have learned a little bit about our three high-growth, high-margin businesses, let's take a quick look at our traditional communications businesses. IDT Digital Payments, BOSS Revolution Calling, and IDT Global Carrier Services, along with small legacy offerings, together they comprise our traditional communications segment. In aggregate, this segment generates approximately 75% of our revenue and approximately 70% of the adjusted EBITDA during this past Q2. Revenue from IDT Digital Payments consist mostly of sales of mobile top-up, which is a service that enables customers to transfer bundles of airtime, messaging, and data to international and domestic mobile accounts. Our BOSS Revolution Calling and IDT Global Carrier Services businesses are legacy businesses in the paid-minute international long-distance calling industry. This industry is in terminal decline, and as the revenues decline, our focus here is to maximize the efficiency and cash flow longevity of these businesses, which are accomplished in large part by us continually streamlining and right-sizing the operations and cost structures. There are two aspects to our traditional communication segment that I want to impress upon you today. The first businesses in this segment. The second element is that despite the double-digit decline in revenue for this segment as a whole, the cash flow generation for traditional communications has proved to be remarkably durable. Over the past two years, the average annual rate of decrease in the segment's adjusted EBITDA has been 7%. Looking ahead, our traditional communications segment is poised to continue generating strong cash flows for many years to come. As we wrap up, let's take a brief look at the highlights of IDT's recent consolidated results. As of January 31st, the end of our second quarter, we had $178 million in cash and current investments and no debt at all. As you can see in this chart, IDT has a track record of increasing adjusted EBITDA, and we expect to continue the trend in fiscal 2024. Remember that the January 31, TTM bar on the right captures some seasonality, and the second halves of our fiscal years are generally stronger than the first halves. The improvement in our economics in recent years have been driven primarily by our growth businesses. In fact, our growth businesses contributed a net of $27 million more in adjusted EBITDA over this past year than it did back in 2020. Collectively, the high growth businesses are now more than compensating for the declines of the traditional communications segment's contribution. So looking ahead, that trend should continue. So our ongoing, our ongoing cash generation and our strong balance sheet provides us with strategic flexibility. So how are we using our cash? Well, we continue to invest in a number of promising early-stage business initiatives. We routinely evaluate potential acquisitions, and finally, we are returning value to our shareholders. We repurchased $11 million of our common stock over the past year, and we just recently initiated a quarterly dividend. We believe that IDT is significantly undervalued today. The company has a very bright future, highlighted by the growth of our three high-margin businesses, all at the same time, backed by the cash flows from our traditional communications businesses and our solid balance sheet. We are excited about our many opportunities for value creation, and we hope that we have ignited your interest with today's presentation. To learn more, please reach out to us via phone or email at invest@idt.net. Thank you very much, and this concludes our presentation. We have some time for questions. Anybody have any questions? No question. Okay, no questions. Wow! Right. Marcelo? Hey. With regard to, I just have a question. I know that you benefit a lot from the immigration trends that are happening, and that's probably whether it's legal immigration or even undocumented. Do you... When you hear something like, for example, New York City had a program where they announced that they gave $55 million in debit cards to undocumented immigrants and whatnot. Does that benefit or flow through to IDT because of the NRS? Is it-- Have you seen anything with that or, you know, as far as trends- Yeah. Spike in sales there? Yeah, I mean, we don't measure those things at IDT, but we do believe that there is definitely an indirect benefit to our money transfer business and to our NRS business, to the entire BOSS ecosystem, as we enable and provide more economics for people that frequent those outlets and use those services for them to use it. Right, because if somebody has a debit card- Mm-hmm. They have money on it. That- They spend it at Bodega, it has an NRS system. Yeah. So in one of our slides, I mean, the year-over-year increase- Yeah. in terms of sales coming from merchant processing Uh-huh. has gone up from, probably about 20% of sales to about 30% of sales using card in some format. Yep. So again, I'm not going to attribute a lot of that to, you know, the debit cards in New York City alone. Right. Right. But I would say just in general, the portion of card payments happening at our stores has increased quite substantially. And as we put kiosks into all these stores, like, we think that will also increase dramatically, because now rather than, you know, paying with cash for your sandwich order or stuff like that, you're going to pay right at the kiosk for your order. Do you know what percentage of the NRS is in bodegas as far as a percentage of NRS overall sales? What... Any idea? I don't know exactly, but I would say probably about 65% of them are in convenience of some sort or another. Right. To your earlier question, one of the things that we are looking into doing is to partnering with some nonprofit organizations that guide immigrants, legal or not- Uh-huh ... into the various services that the government is able to provide, SBA loans for small retailers. So we are looking to partnering with them, okay, to be able to provide additional services to that community over time. Okay. As you know, I mean, we are still trying to drive customers into Elroy. Yes. You know, you can also now, like, file inside Elroy, you can get EIN -ITIN number. Yeah, EIN or TIN? Yeah, ITIN. Yeah, ITIN. Mm-hmm. Tax ID. Okay. Thank you. Thank you.