Hello and welcome to the 2024 Annual Meeting of Shareholders of Sezzle Inc. Please note that today's meeting is being recorded. During the meeting, we have a question-and-answer session. You can submit questions or comments at any time by clicking on the message icon. It is now my pleasure to turn today's meeting over to Sezzle's CEO and Executive Chairman, Charlie Youakim. The floor is yours. Thank you. Good afternoon, everyone, and welcome to Sezzle's 2024 Annual Shareholder Meeting, our first Annual Shareholder Meeting as a listed company on the NASDAQ. My name is Charlie Youakim. I'm the CEO and Executive Chairman of Sezzle, and I will be chairing the meeting today. I'm joined today by our Chief Financial Officer, Karen Hartje, our Head of Corp Dev and IR, Lee Brading, and our Corporate Secretary and General Counsel, Chris Ellis. I confirm that we have a quorum for the meeting to proceed, and I am pleased to declare the meeting formally open. I'm also delighted to be able to extend a warm welcome to all of our shareholders who are participating through our online meeting platform. As has been the case for each of our previous special shareholder and annual shareholder meetings, this meeting is also occurring by remote electronic means, as is permitted by the company's bylaws. I would like to start by acknowledging my fellow directors: Paul Paradis, my co-founder, executive director, and our president, and our three independent non-executive directors: Stephen East, Karen Webster, and Kyle Brehm. Thank you for your support and passion for Sezzle. Also online today is a representative from our auditors, Joe Donnelly of Baker Tilly in Minneapolis. The notice of the special meeting was distributed to all shareholders in accordance with the company's bylaws and SEC regulatory requirements, and it's also available from our website under Annual Reports within the Financial section. I will take the notice of the meeting as read. In terms of the process for the meeting, we will begin the meeting with a presentation while voting on the proposals occurs in the background. The proposals will be decided by poll. Voting on the proposals is now open via the online meeting platform, and the voting icon will appear on the top right of the screen. Once you click on this, the proposals will appear on your screen. As shown on slide three, you can vote any time during the meeting until I declare voting close. You can also change your vote at any time throughout the proceedings. I will give you a clear prompt later in the meeting to warn of the close and voting. I do not propose to read each of the proposals as these are clearly laid out in the notice of meeting. The proxies received prior to the meeting in respect to each proposal are contained on slide 12 of the company presentation provided today. The proxy numbers shown are based on the company's common stock outstanding as of the record date of October 1st, 2024. As documented on slide four, we will also take the opportunity for questions, and you can start submitting questions now, including any questions for the company's auditor, and we will address these later in the proceedings. We filed our annual meeting presentation with SEC and posted it on our investor website at sezzle.com. If you have not done so already, please go to the investor relations section of our website. There you will find the annual meeting presentation under SEC filings within the financial section. We have a limited presentation as we recently reported our Q3 results on November 7th, so not much to add since then. That said, there are a few items worth pointing out again. In our conference calls and internal town halls, we emphasize our rigorous approach to decision-making guided by the principles outlined on slide seven, all with the backdrop of our mission: financially empowering the next generation. Our results are a key part of us being able to uphold this commitment. As a public benefit corporation, we remain focused on balancing stakeholder satisfaction and profitability, measuring metrics like consumer satisfaction, merchant sentiment, employee engagement, and shareholder returns. Without us achieving profitability through lifetime value growth and new user acquisition, we would not be able to deliver on our mission. We continue prioritizing consumer needs, as highlighted on slide eight. The recently announced WebBank program will help us introduce new products essential for the future user acquisition and value expansion. Our focus areas include financial products and shopping tools. Recent launches like On-Demand, Product Marketplace, and Price Comparisons reflect our efforts to enhance user experiences. We are exploring further product opportunities, though not all are certain, but we wanted to provide an idea of future opportunities that exist. Before Q&A, I'd like to highlight our progress reflected in our Q3 results. Revenue for the quarter rose 71.3% year-over-year, driven by high consumer purchase frequency and a subscriber base now at 529,000, up 67,000 from last quarter. We're outpacing the buy now, pay later industry, as reported by third-party sources like Adobe Analytics. Net income for Q3 was $15.4 million, with a margin of 22.1%. Adjusted net income hit a new high of $17.3 million, reflecting a 24.7% margin. Our performance aligns with our Rule of 100, targeting 20% revenue growth, 60% gross margins, and 20% net income margins. This quarter, we achieved 71% revenue growth, a 55% gross margin, and a 25% adjusted net income margin, well above expectations. Our guidance now reflects the WebBank partnership launch. Combining this new program with our strong Q3 results, we raised our 2024 guidance. Further, despite a projected 20% tax headwind in 2025, we still expect adjusted EPS growth of at least 20%. Lastly, our accolades, strong consumer ratings, and top user engagement metrics confirm we're making impactful decisions for our stakeholders. In closing, we are proud of Sezzle's progress in 2024, highlighted by our strong results and the launch of our WebBank partnership. This reflects our commitment to delivering innovative financial solutions and maximizing stakeholder value. As we near the end of the fiscal year, our focus remains on enhancing consumer trust, expanding our offerings, and driving sustainable growth led by our guiding principles. Thank you to our shareholders, our team, and partners for your continued support. We look forward to building on this momentum together. We will now address any remaining questions. Thank you. We will now take questions from our stockholders. And as a reminder, you can submit a question by clicking on the question icon, which looks like a single chat bubble. As mentioned earlier, if you are having any difficulties in asking a question, please refer to the notice of meeting. I will now begin responding to questions that have been submitted and will direct any questions to our auditor as relevant. I will ask our Corporate Secretary, Chris Ellis, to read out any questions at this point. Chris? There have been no questions submitted. Okay. We can give it maybe another minute. Again, if you have any questions, there's a question icon, which looks like a single chat bubble in the portal. All right. If there's no more questions, we'll continue. Please feel free to email us at our investor relations email address if you have any questions that you missed the chance to ask at this point, but we'll continue to proceed here. As mentioned at the start of the meeting, voting on the proposals is currently open, and you can vote at any time until I declare the voting close. Results will be disclosed on the current report on Form 8-K after the conclusion of the meeting. Please note that only shareholders, proxy holders, or authorized shareholder representatives may vote. Any directed proxies given to you by the shareholder will be automatically cast as directed when the poll is closed. If you have an issue trying to vote, the voting icon will appear at the top right of the screen. Once you click on this, the proposals will appear on your screen along with the voting options that are relevant to that particular proposal. Simply select one of these options to cast your vote. When voting is closed, your final voting selection will be recorded. If you have any difficulties, please refer to the notice of meeting. I now move on to the consideration of the proposals. I advised in the beginning of the meeting that we will vote on the proposals by way of poll. Any undirected proxies will be given to the chairman and voted in favor of the relevant proposals. Voting is already open and will remain open until I direct otherwise. The proposals to be considered in order are: Item number one, election of Kyle Brehm. Item number two, election of Stephen East. Item three, election of Paul Victor Paradis. Item four, election of Karen L. Webster. Item five, election of Charles Youakim. Item six, the ratification of the appointment of Baker Tilly as our independent registered public accounting firm for the fiscal year ending 2024. And item seven, the adoption of the Fifth Restated Certificate of Incorporation. The board's recommendation in respect to each proposal is outlined in the notice of meeting, and the details of the proxies received prior to the proxy cutoff date for each proposal are contained within the presentation disclosed this morning. I would like to advise that shortly the voting on all the proposals will close. We'll take a few minutes' moments now to allow you to finish voting, so please complete your voting now. Voting will automatically close in one minute. Voting has now closed. Please note that the final results will be disclosed by a Form 8-K on the SEC's EDGAR system and will also be made available on Sezzle's website along with all of our announcements after the meeting. Thank you all for your attendance online today. As the business of the meeting is now completed, I declare the meeting closed and thank everyone for their participation today. The meeting you may now is close.