Morning, welcome to the NetSol Technologies third quarter and nine months ended March 31st, 2026 earnings conference call. On the call today are our Founder and Chief Executive Officer of NetSol Technologies, Najeeb Ghauri, Chief Financial Officer, Sardar Abubakr, and Senior Vice President, Legal and Corporate Affairs, General Counsel and Corporate Secretary, Patti McGlasson. Also available for the Q&A portion are Chief Accounting Officer, Roger Almond, and Chief Marketing Officer, Erik Wagner. I will now hand the call over to Patti, who will provide the necessary disclaimers regarding the forward-looking statements made during today's call. Patti, please go ahead. Thank you. Good morning, everyone, and thank you for joining us today. After we review the company's business highlights and financial results for the third quarter and nine months ended March 31, 2026, we will open the call for questions. Before we begin, I'd like to remind you that our remarks today may include forward-looking statements within the meaning of the Federal Securities laws, including the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements reflect management's current expectations due to risks and uncertainties. Actual results may differ materially from those expressed or implied. We encourage you to review the cautionary statements and risk factors contained in NetSol's press release issued earlier today, as well as in our filings with the Securities and Exchange Commission, including our most recent Form 10-K and quarterly reports on Form 10-Q. I'd also like to note that today's discussion will include certain non-GAAP financial measures. A reconciliation of these measures to their most directly comparable GAAP figures can be found in the press release issued earlier today. Lastly, please remember that this call is being recorded and will be available for replay on our website at netsoltech.com and through a link included in today's press release. At this time, all participants are in listen-only mode. Following the prepared remarks, we will open the call for the Q&A session. I will now hand the call over to our founder and CEO, Najeeb Ghauri. Najeeb? Thank you, Patti. Good morning, everyone, and thank you for joining NetSol Technologies call to review our results for the third quarter and nine months ended March 31, 2026. The third quarter was a record quarter for NetSol. Total net revenues were $19.8 million, the highest quarterly revenue in the history of the company. Recurring subscription and support revenue grew approximately 11.7% year-over-year. Income from operation was $3 million, up from $1.6 million in the prior year period, and non-GAAP adjusted EBITDA was $3.4 million compared with $2.3 million in the prior year period. For the nine months ended March 31, 2026, total net revenues were $53.7 million, an increase of approximately 12.5% over the prior year period. This is further evidence that the strategy we have been executing, unifying our products under the Transcend Platform, deepening our customer relationships and embedding AI throughout our origination workflows, is delivering. I would like to walk through three areas that define the quarter. First, I'd like to talk about customer momentum, followed by the continued ramp of Transcend Retail, and then I'll discuss our progress on artificial intelligence. First, on customer momentum. As we discussed on our last quarter's call, in December, we executed a $50 million four-year contract extension with one of the longest tenured Mercedes-Benz, a tier one global auto captive customer, a relationship that we cherished since 1997. During the third quarter, we recognized the one-time license investment associated with that renewal, which contributed approximately $4.7 million in license revenue. This extension reinforces the recurring nature of our most important customer relationships and provides multi-year revenue visibility into our subscription, support, and services pipeline. The renewal also brought a significant annual maintenance billing event in January, which our CFO Abubakr will discuss in more detail in the financial review as it is the principal driver of the working capital movements you will notice in the balance sheet this quarter. We also achieved meaningful customer milestones across our Transcend Finance footprint during the quarter. In late January, we went live with Northridge Finance, a division of Bank of Ireland, U.K., on Transcend Finance. In March, a tier one global auto captive that is Ford China went live on Transcend Finance in China. Both go-lives reflect Transcend Finance ability to scale across geographies and product lines, and both convert into recurring subscription, support, and services revenue going forward. Additionally, we renewed a multi-million dollar agreement with the long-standing partner Investec Bank for the continued use of our finance and leasing platform. They are a premium tier one multinational bank in the U.K. with whom we have had a relationship for over 15 years. Second, on Transcend Retail. In the U.S., we have continued to see strong demand for our digital retail solution for BMW dealerships and OEMs, and it is becoming a meaningful contributor to our recurring revenue. We have opportunity to go live in all U.S.-based BMW dealerships or almost 350 locations in two year timeframe. Pipeline activity is robust, and we continue to close new dealerships group across customers in the U.S. We have continued to expand the presence in the U.S. dealer market through the third quarter. The combination of fast time to go live, modern user experience, and integration into the broader Transcend Platform is resonating with the dealer groups, and we believe this is a market segment with substantial runway over the next several years. In USA, subscription and support continue to perform well, with double-digit recurring revenue growth supported by go-lives and contract expansion across our customer base. Services revenue moderated this quarter compared with the prior year period, which had benefited from a one-time pickup associated with a customer contract amendment and from elevated implementation activity that has since transitioned into recurring revenue. Underlying services and products demand remains healthy across the globe, and our pipeline of implementation work supports continued progress through the remainder of fiscal 2026 and into fiscal 2027. I'd like to now discuss the progress in artificial intelligence or AI that continues to be essential to how we differentiate. Our approach is to generally embed AI directly into the workflows our customers run into the Transcend Platform rather than build standalone AI features. The clearest example of this is our AI-enabled credit decisioning engine within Transcend Finance, which we introduced earlier this fiscal year. It operates as an architectural layer that sits inside our lease and loan origination solution and uses deep reasoning and agentic workflows to accelerate the pace of credit decisions with consistency and human oversight built in. Customers running originations on Transcend Finance can activate a credit decisioning engine to compress decision turnaround time and improve underwriting throughput. This is the model we will generally continue to follow as we extend AI across the platform, deeper integration into existing customer workflows tied to measurable outcomes. We also introduced our AI-native intelligent document processing solution for asset and financial commercial finance. It combines optical character recognition, for short OCR, with large language model capabilities to extract and structure information from financial documents, enabling faster credit and compliance workflows while reducing manual effort and improving operational efficiency. Looking ahead, we are partnering with our clients on the next wave of AI initiatives, embedding intelligence deeper into the decisions and interactions that drive long-term value for our customers and their consumers. I'd now like to turn the call over to our very dynamic new CFO, Sardar Abubakr, to review the financial results in detail. Thank you, Najeeb. Thank Najeeb. Thank you so much, Najeeb, and good morning, everyone. I will begin with our financial results for the third quarter of fiscal year 2026, followed by results for the nine months ended March 31st, 2026. For the third quarter of fiscal 2026, total net revenues were $19.8 million, a record for the company, compared with $17.5 million in the prior year period, an increase of approximately 13%. The increase was driven primarily by higher license fees associated with the renewal of our $50 million four-year tier-one auto captive contract, together with continued growth in recurring subscription and support revenues. Overall, we continue to build on the double-digit growth momentum from Q2. On a constant currency basis, total net revenues were $19.6 million. Subscription and support revenues increased approximately 11.7% to $8.8 million, compared with $7.9 million in the prior year period. On a constant currency basis, subscription and support revenues were $8.8 million. License fees for the third quarter were $4.7 million, compared with just over $1,000 in the prior year period. Services revenues were $6.3 million, compared with $9.7 million in the prior year period. The decrease primarily reflects the timing and composition of current implementation projects, as well as a one-time pickup of approximately $2.4 million in the prior year period. On a constant currency basis, services revenues were $6.1 million. Gross profit for the third quarter was $11 million or a 55.6% of net revenues, compared with $8.7 million or 49.8% of net revenues in the prior year period. On a constant currency basis, gross profit was $10.9 million or 55.5% of net revenues. During the quarter, we also recorded a one-time impact related to Pakistan's super tax regime. This relates to a retrospective adjudication of the tax for prior periods following recent court developments. As a result, we recognize a charge of approximately $0.4 million, which impacted net income in the period. This is a one-time non-operational item relevant to multiple sectors and not NetSol alone and does not reflect our underlying core operating trends. Non-GAAP EBITDA was $3.4 million in the quarter, an increase of approximately 47.8% compared with $2.3 million in the prior year period. Non-GAAP EBITDA margin expanded to 17.2% compared with 13.1% in the prior year period. Foreign currency movements resulted in a loss of approximately $0.1 million in the quarter compared with a gain of $0.3 million in the prior year period. GAAP net income attributable to NetSol was $1.3 million or $0.11 per diluted share compared with $1.4 million or $0.12 per diluted share in the prior year period. Now coming to our results for the nine months ended March 31, 2026. Total net revenues for the nine months ended March 31st, 2026, were $53.7 million compared with $47.7 million in the prior year period, an increase of 12.5%. On a constant currency basis, total net revenues were $52.9 million. Recurring subscription and support revenues for the nine months were $26.9 million, an increase of 8.6% compared with $24.7 million in the prior year period. On a constant currency basis, recurring subscription and support revenues were $26.5 million. License fees for the nine months were $4.9 million compared with $75,000 in the prior year period, reflecting the renewal recognition I described earlier. Services revenues for the nine months were $21.9 million compared with $22.9 million in the prior year period. Annualized recurring revenue is forecasted to be approximately $35 million exiting the third quarter compared with approximately $32.9 million in the prior year period, an increase of 7%. Gross profit for the nine months was $26 million or 48.4% of net revenues compared with $22.2 million or 46.6% of net revenues in the prior year period. On a constant currency basis, gross profit was $25.3 million or 47.9% of net revenues. Non-GAAP EBITDA was $3.5 million, an increase of approximately 84.2% compared with $1.9 million in the prior year period. Non-GAAP EBITDA margin expanded to 6.6% compared with 4% in the prior year period. Turning to the balance sheet. Cash and cash equivalents were $14.7 million at March 31st, 2026 compared with $17.4 million at June 30, 2025. The decrease in cash flow from operations during the period was primarily attributable to changes in working capital, including the timing of customer billings and collections associated with certain large customer arrangements. Accounts receivable increased during the period due to the timing of collections on invoices issued under these arrangements. These receivable balances have since converted to cash in the normal course of business. Overall, the third quarter reflects a continuation of our focus on double-digit top-line growth year-over-year, underlined by consistent improvement in margins and EBITDA, a healthy balance sheet and strong cash flow situation. I will now hand the call back to Najeeb. Thank you, Abuba kr. Looking ahead, we are reaffirming our full year fiscal 2026 revenue guidance of approximately $73 million-$74 million. We are pleased with our nine month performance and underlying momentum we are seeing across the Transcend Platform. Our core products, Transcend Finance remains strong, while our loyal and long-term partners could not be more pleased with their ROI on NetSol solutions. Our focus heading into the fourth quarter and into fiscal 2026 is unchanged. Extend the depth of our largest customer responsibilities relationships, continue to expand the unified Transcend Platform with embedded AI capabilities like AI-driven credit decisioning engine, and accelerate growth of Transcend Retail in the U.S. dealer market. While macroeconomic and currency dynamics remain a consideration, our diversified business model, our long-term customer relationships, and the underlying strength of our recurring revenue base provide a solid foundation for the remainder of fiscal 2026 and beyond. With that, operator, please open the line for questions. Thank you. We will now be conducting a question and answer session. If you would like to ask a question, please press star one on your telephone keypad. A confirmation tone will indicate your line is in the question queue. You may press star two if you would like to remove your question from the queue. For participants using speaker equipment, it may be necessary to pick up your handset before pressing the star keys. Once again, if you would like to ask a question, press star one on your telephone keypad. One moment please while we poll for questions. Thank you. Our first question comes from the line of Todd Felte with StoneX. Please proceed with your question. Hey, congratulations to you and your team on a great quarter. It was really nice to see the revenue and a margin improvement. My first question just deals with, is this type of revenue and margin growth, can it be continued, or is this mainly the result of the one-time license fee that you collected in the quarter? Thank you, Todd, for this question. I appreciate your long-term relationship. I think, we see a long-term vision. We believe this pattern will continue, and I think, because the pipeline is strong, very healthy, and we're getting a lot of interest from our new customers and of course the existing customers. Okay. Also wanted to follow up. It looked like your Pakistani subsidiary had a really strong quarter. I think you own 69% or 70% of them, you always take a non-controlling interest loss based on that percentage you own. Has there been any further discussions about fully acquiring them? I know your earnings would have probably been around $0.20 a share if you had had full control of them. Absolutely. Very right observation. We I think we talked about it before a couple of times, Todd. We have this initiative in our mind as a top priority. We just have to manage our financing so we can completely buy out the remaining 30%. Of course, it would make NetSol parent company much stronger in the both top line, bottom line. This is the one key initiative we're still working on. Okay, that's all my questions. I'll hop back in the queue. Again, congratulations to you and your team on such a strong quarter. Thank you, Todd. As a reminder, if you would like to ask a question, press star one on your telephone keypad. Our next question comes from the line of Michael Kupinski with Noble Capital Markets. Please proceed with your question. Thank you. I'm a little new to the story, but I have a couple of questions here. I was just wondering in terms of, obviously a lot of geopolitical events going on, how exposed is the business to the China auto finance weakness and or broader global auto sales trends? I was just wondering if you can just give us some color there. Well, thank you for this question. I think it is obviously a macro level. There's all kinds of things happening in this new world order. We're not that exposed. I think we have pretty solid customer base. They're highly dependent on NetSol product and services. We have an excellent team in Beijing and Tianjin. Our customers are supported by the people over there and the back office in Lahore, Pakistan. I think we're not concerned. Of course, we watch, follow the conditions very closely, I think our product is amazing, our technology amazing, our people are amazing, and the customers are dependent, not just to China, all across three global regions. I feel comfortable about the situation. Of course, I wish that things were a bit better. In terms of Pakistan, it's one of the safest country to do business with. People are traveling comfortably. Our people are enjoying. Our customers are visiting us back and forth. I think overall, we are in a pretty good condition. Are there verticals outside of automotive that could materially move the needle for you over the next several years? I think so. I believe so. Can you identify what those might be? Well, I think, we are looking into pretty impressive, quite frankly, double-digit organic growth in the coming years. We have some other ideas, which obviously I can share right now in a positive way, how we can further really expand our footprint in the U.S. market particularly. Of course, we've done very well accretive revenue. We're also open to looking into M&A opportunity eventually, given the right opportunities to really grow the U.S. business especially. I think there's lots happening in a macro level, in the micro level. The company is very vigilant, alert on the opportunities in front of us. Of course, so many years of this experience in this company in all three regions, we have enough, I think, understanding of different environment and how to manage the situation. Our team is really fired up every location and really doing well for the company and the shareholders. Thank you for taking my questions. Appreciate it. Thank you. Thank you. We have no further questions at this time. Mr. Ghauri, I'd like to turn the floor back over to you for closing comments. Thank you very much. My friend, my dear shareholders, we remain focused on executing against our strategic priorities and building on the momentum across our business. We look forward to updating you on our continued progress as we close out fiscal 2026. I want to personally thank all of our shareholders, our global clients in the U.S., Canada, Europe, China, Australia, Thailand, Indonesia, and Pakistan, and all of our most dedicated NetSolians worldwide. As a reminder, we will hold our AGM shareholders meeting on June 18, 2026 at our Encino headquarters, where shareholders will be entitled to participate and vote on the resolution presented either in person or by proxy. We encourage all shareholders to vote upon receipt of their proxy materials with the board's recommendation. Thank you for joining us today and for your continued interest in NetSol. Have a good day. Ladies and gentlemen, this does conclude today's teleconference. You may disconnect your lines at this time. Thank you for your participation, and have a wonderful day. Thank you, Christina. Have a good day too. Bye. You too as well.