Good morning. Welcome to the 2026 Annual Meeting of Stockholders for Jefferson Capital Inc. I will now turn the line over to David Burton. Mr. Burton? Thank you. Good morning. I'm David Burton, Chief Executive Officer and President of Jefferson Capital, Inc., and the Chairman of today's meeting. I'm very happy to welcome you to our 2026 Annual Meeting of Stockholders. Before I call the meeting to order, I'd like to introduce to you the other members of the Board and the officers of the company who are with us today. The other members of the board in attendance are Thomas Harding, Susan Atkins, John Oros, James Pierce, Beth Leonard, and Ronald Vaske. In addition, participating today are Christo Realov, our Chief Financial Officer and Treasurer, and Matthew Pfohl, our Chief Administrative Officer, General Counsel, and Secretary. I'd also like to introduce Eugene Rogliano and Marissa Daligan of Deloitte & Touche LLP, the company's independent registered public accounting firm, who will be available to respond to appropriate questions during the question- and- answer portion of the meeting. The meeting will now officially come to order. We will proceed with the formal business as set forth in the notice of Annual Meeting and proxy statement. The polls opened today, June 5th, 2026, at 8:45 A.M. Eastern Time for voting on all matters before the meeting. If you've not already voted and wish to vote, the polls will remain open until we finish presenting the proposals and close the polls. You do not need to vote during the meeting if you have already voted and do not wish to change your vote. On the virtual meeting webpage, you will find the agenda and rules of conduct. Please review these carefully. Note that only the stockholders who are logged in using their 16-digit control number will be able to vote and submit questions today. Our corporate secretary will file the proof of mailing of notice with the records of the meeting. All stockholders of record at the close of business on April 10, 2026, or holders of a valid proxy are entitled to vote at today's meeting. At this time, I'd like to introduce Tracy Oates, a representative of Broadridge Financial Solutions. The Board of D irectors has appointed a representative of Broadridge to act as Inspector of Election at today's meeting. Tracy Oates has signed the customary oath of office to execute her duties with strict impartiality. We'll file this oath with the records of the meeting. I have been informed that a quorum is present. Therefore, I hereby declare this meeting to be duly constituted for the transaction of business. There are two proposals to be considered by the stockholders today. The board of directors recommends the stockholders vote for each of the proposals. The first item of business is the election of David Burton, Thomas Harding, and Thomas Lydon, Jr. to serve as Class I Directors of the company for a term of office expiring at the Annual Meeting of stockholders to be held in 2029. The second item of business is the ratification of the audit committee's appointment of Deloitte & Touche as the independent registered public accounting firm of the company for the year ending December 31st, 2026. That was the final proposal for today's meeting. If you wish to vote and you haven't already, please vote now by clicking on the voting button on the web portal and following the instructions. You do not need to vote electronically if you have already sent in your signed proxy or if you have voted by telephone or internet. We will pause for approximately 30 seconds before closing the polls. The polls are now closed for voting. Thank you very much. I have received the preliminary report of the Inspector of Election to be kept with the company's records. Based on this preliminary report of the Inspector of Election, David Burton, Thomas Harding, Thomas Lydon, Jr. have been elected as Class I Directors. The appointment of Deloitte & Touche as our independent registered public accounting firm for the year ending December 31st, 2026, has been ratified. The final tally of votes will be published within four business days in a current report on Form 8-K to be filed with the Securities and Exchange Commission. This meeting is now adjourned. With the meeting adjourned, the management team and I are now available to answer any questions. Please note that we will only be answering questions that are within the parameters of the rules of conduct, and only stockholders who have logged in using their 16-digit control number are able to submit a question through the question and answer area of the web portal. Mr. Pfohl, are there any questions that have been submitted? No, there are no questions. Please proceed with your closing remarks. With that, ladies and gentlemen, this concludes our annual meeting. I want to thank you for attending and for your interest in the affairs of Jefferson Capital, Inc. This concludes today's meeting. Thank you for attending. You may now disconnect and have a wonderful rest of your day.