Good morning, and welcome to the Marpai Q4 and Fiscal Year 2023 Earnings Conference Call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. Please note, this event is being recorded. I would now like to turn the conference over to Steve Johnson, Chief Financial Officer. Please go ahead. Thank you, and good morning, and welcome to Marpai's Q4 and fiscal year 2023 earnings release webcast. With me today is Damien Lamendola, CEO and Director of Marpai. This morning, we will review the state of the industry and cover some of the key trends that are relevant to Marpai. Damien will also highlight our strategic priorities, and we will walk through some specific actions that the team has completed. Then I will take you through the financial highlights, our next steps, and we will wrap up with some final thoughts. As the conference operator mentioned, today's webcast will be recorded and available later today. So if you miss something, you can go back and get that. Switching to the next slide, just briefly to see the required safe harbor and forward-looking statement disclosure. I'm not going to read all that. All right. On slide three, I'd like to turn over the call to Damien, and he'll start us off with what the industry trends are. Great. Thank you, Steve. Marpai is a leading national health benefit third-party administrator, sometimes called a TPA, for self-funded employers. The industry is experiencing significant growth, which we expect to continue to positively impact the performance of Marpai. First, there's a continued shift in employers taking advantage of the benefit plan savings by moving to a self-funded plan. In fact, on average, a company switching to a self-funded plan saves 8%-10% on their health plan costs. Second, the inflationary pressures in both healthcare costs and employee compensation. Employers are looking for innovative solutions to increase their base savings. Third, the TPA model allows increased flexibility and customization, which allows employers to drive toward a more value-based care model. And finally, the industry has seen significant demand from clients looking for unique solutions to mitigate high cost chronic conditions and manage prescription costs for the employees. The TPA model lets employers focus on their core business and allows the TPA to manage and monitor the various programs on their behalf. It all begins with our customer. We focus on making the customer experience as pleasant as possible. No one likes to see their doctor, and it's usually only when you're sick. Marpai is one of the few independent third-party administrators that has access to two leading national provider networks with both Aetna and Cigna, so our members have a terrific choice of in-network care. We're also revamping our customer service department to make sure we get our members the right answers when they need them. We perform multiple internal audits and process improvement exercises to keep our team continuously improving. Our president, John Powers, and I personally met with several of our key clients to listen to the feedback and implement many of the great ideas they have suggested. Next, the team is engaged on operational excellence. We're still digesting the Maestro Health acquisition and integrating the best practices from both organizations. We're also utilizing our strength in generative artificial intelligence to focus internally and automate several tasks to improve quality and speed, while also reducing the cost of service for members. Lastly, to help save them time, money, and potentially lives, Marpai offers specialized, proven clinical programs to tackle diabetes, orthopedic issues, GI problems, heart and lung conditions, and many more. As I said, these programs help our clients save time, money, and also lives. I'm going to turn it over to Steve. Steve will address some of the actions that have been completed so far since we joined back in early November. Thank you, Damien. Let me go back. All right. Hard to believe it was just a short four months ago when we joined the Marpai team. In late November, Damien and I held our first investor webcast, and we outlined several actions that we believed would help right the ship. It is always nice to be able to follow up and show that you did what you said you were going to do. We were successful in completing the sale of our non-core FSA and HSA business for $1.7 million last December. We were able to negotiate a payment term extension, as well as a $3 million discount with AXA, stemming from our sale or acquisition of Maestro Health in late 2022. We were able to secure nearly $2 million in non-dilutive capital from Libertas Funding. We were very fortunate to have John Powers join us as our new president, and he has been working feverishly, meeting with clients, and he was successful in closing a three-year contract with a new Southeastern-based client that started earlier this month. Quite simply, we outline our objectives and then execute. Next, we'll start with the financial highlights of the Q4. Net revenues were $8.7 million, an improvement of $1.1 million, or 12%, over the Q4 of 2022. Gross profit was $3 million, an improvement of $0.2 million, or 6.5%, over the Q4 of 2022. Operating expenses were $8.2 million, an improvement of $3.6 million, or 30.6% lower than last year. Operating loss was $5.2 million, an improvement of $3.8 million, or 42.3%, lower than the prior quarter year. The net loss was $5 million, an improvement of $3.5 million, or 41.1%, lower than the Q4 of 2022. Earnings per share was a loss of $0.65, an improvement of $1 over the Q4 of 2022. While we didn't have much time, we were able to make some progress financially. Now, moving on to the full year highlights. For the full year, net revenues were $37.2 million. It was an improvement of $12.8 million, or 52.6% higher year-over-year. Of course, much of that growth was due to the Maestro acquisition. Gross profit was $12.9 million, an improvement of $5.7 million, or 79.2%, higher than last year. Operating expenses were $40.9 million for the year ended. It was an increase of $6.7 million, or 19.7%, higher than the previous year. Operating loss was $28 million for the year, an increase of about $1 million, or 3.8%, higher year-over-year. Net loss was $28.8 million for the year ended, an increase of $2.3 million, or 8.6% higher, compared to the same period last year. Basic and diluted earnings per share was a negative $4.19, an improvement of $1.09 per share compared to last year. Really, the story here is Marpai is starting to gain the benefits of the Maestro acquisition, with much more to come. Now let's shift over to some of the balance sheet highlights. Our ending cash balance was $1.1 million. Our restricted cash was $12.3 million. And I wanted to highlight that, for our business, from Marpai's business, restricted cash primarily represents the funds on hand to pay for member benefit claims. And then if you look at our balance sheet, there's an offset under our current liabilities called accrued fiduciary obligations, which were $11.6 million. Simply, Marpai collects the funds from our clients prior to the payment of the members' benefit claims. So I wanted to highlight that, for everyone. Long-term assets. In the Q4, Marpai wrote down 50% of our goodwill, or approximately $3 million. Our current liabilities, the key highlight there is our accounts payable were up $3.2 million from the previous year, and our other long-term liabilities of $19.4 million are primarily related to the accrued payables from the acquisition of Maestro Health, and that figure does not reflect the $3 million discounts that we negotiated in February. Stockholders' equity was -$13.4 million. Now we'll move over to the cash flow highlights. Net cash used in operations was $15.7 million, down $19.5 million from the prior year. Net cash provided by investing was approximately $1 million, which relates to the sale of our non-core FSA business mentioned earlier. Net cash provided by financing activities was approximately $5.1 million, and that was primarily from the sale of common stock earlier last year and for the payments made during the year for the acquisition of Maestro Health. Overall, the company used $9.6 million in cash. All right, next steps. I just want to highlight some of the key success factors. And one, constant, need is for our attention on execution. Our team needs to continue to reduce costs and achieve profitability. We must complete our ongoing technology projects to drive efficiencies in claims and customer service. We have an experienced sales team brought on by John Powers that will grow the top line, and we must utilize our artificial intelligence skill to reduce risk and continue to refine our proactive disease state models. I'll turn it over to Damien for some final thoughts. Thanks again, Steve. As you have seen, the team has achieved quite a bit over the past four months, but we have a long way to go on our journey of being one of the largest independent third-party administrators in the country, while driving down the cost of healthcare, without the cost of healthcare down for our clients and members. We must, and we will, position the company's capital structure for profitability and growth. The industry has just gotten a small taste of what our leadership team is capable of. As we addressed early on in our presentation this morning, we have highly favorable opportunities in a growing industry with clients that need our help. We have just started to leverage our deep industry relationships to enhance our market position, and we must use our competitive advantage with our existing talent in artificial intelligence to drive operational cost reductions to become the lowest cost third-party administrator in the country. Thanks. Thank you, Damien. This completes Marpai's Q4 and Fiscal Year 2023 Earnings Call. If you have questions or require further information, please see the information on our screen or go to our investor relations website. Again, this webcast will be available for replay. Thank you for joining us this morning. The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.