I will now turn the call over to Erica Kay. You may begin your conference. Thank you. Good afternoon, everyone, and welcome to the fourth quarter and full year 2023 earnings conference call for Safe Harbor Financial. Before we start, please note that remarks made today include forward-looking statements, including statements with respect to the company's outlook and the company's expectations regarding its market opportunities and other financial operational matters. Each forward-looking statement discussed on today's call is subject to risks and uncertainties that could cause actual results to differ materially from those projected in such statements. Actual results and the timing of certain events may differ materially from the results or timing predicted or implied by such forward-looking statements, and reported results should not be considered as an indication for future performance. Additional information regarding these factors appears under the heading Risk Factors in the company's filings with the Securities and Exchange Commission, or the SEC, which are available at www.sec.gov and on our website at ir.shfinancial.org. The forward-looking statements in this call will speak only as of today's date, and the company undertakes no obligation to update or revise any of these statements. Also, during the call, Safe Harbor will present both GAAP and non-GAAP financial measures. A reconciliation of non-GAAP to GAAP measures is included in today's earnings press release, which you can find on the company's investor relations website or on the SEC website. All dollar amounts expressed today are in U.S. currency. Presenting today will be Sundie Seefried, Chief Executive Officer, and Jim Dennedy, Chief Financial Officer of Safe Harbor. I'll now hand the call over to Sundie. Sundie, please go ahead. Thank you, Erica, and welcome to our 2023 year-end earnings call. 2023 was another strong year of financial growth for Safe Harbor, with record revenue of $17.56 million, an increase of 85.3%, up from $9.48 million in 2022. In addition to our continued year-over-year growth, we have impactfully elevated our position as a one-stop financial service center for cannabis-related businesses across the country, building an expansive suite of compliant financial products and services. I am also pleased to report that we have reached a point in our evolution where we have optimized our fintech platform to deliver multiple high-margin revenue streams that are expected to contribute meaningfully to our growth going forward. By successfully scaling our platform with new credit and deposit tools, we have continued to differentiate Safe Harbor from our peers, further demonstrating the underlying value of our expertise and experience in this complex segment of the finance industry. To better understand our unique market position and capabilities, it's important to understand the role we play as a trusted intermediary between CRBs and financial institutions. Safe Harbor's compliant cannabis infrastructure intuitively interfaces with each of our financial institution partners to seamlessly manage financial transactions, ensuring the highest level of oversight, validation, and compliance. By eliminating the risk of serving the cash-intensive cannabis industry without interruption, and now in our tenth year, Safe Harbor has established itself as a critical component of the financial transaction process, and more importantly, our fintech platform has become a gateway to introducing additional banking solutions to the cannabis industry. The core driver of our business is customer deposit activity, which, since 2015, has facilitated over $21.5 billion in deposits across 41 states. In In 2023, our goal was to facilitate $4 billion in deposits. In 2023, we facilitated approximately $4.2 billion in deposits, representing an increase of approximately 16.67% compared to the $3.6 billion we reported in 2022. For the full year 2023, as compared to the full year 2022, revenue increased 85.3%, consisting primarily in key components as follows: Deposit and onboarding income increased by 42%, investment income increased by 175.6%, and loan interest income increased by 163%, with the loan book increasing 194%. Jim will provide additional detail on these three revenue components in his review of the fourth quarter and year-end financials. The strength of these results is extremely impressive, especially when taking into account the July 2023 termination of our master services and revenue-sharing agreement with Central Bank. As a result, our total number of clients decreased from 1,040 as of March 30th, 2023, to 721 as of December 31st, 2023. The effect of the account losses on deposit-related fees were first recognized in quarter four, 2023. Please note that we are actively engaged with potential new financial partners eager to enter the high-growth cannabis banking industry. Against this challenging backdrop, Safe Harbor continued to deliver strong results.... a testament to our ability to diversify the business, launch additional fee-generating products and services, which collectively has allowed us to increase our business activity with our valued customer base. For example, the average monthly fee revenue per account increased 35% year over year to $8,298, up from $6,154 for the same period in 2022. In addition, our average per account balance for the full year, 2023, was $219,835, compared to $215,259 in 2022. The growth in monthly fee revenue is a function of high business volume, albeit on a smaller account and deposit base, which is happening across the entire banking sector. Even though deposits are down, the velocity of money churning through the system is increasing. Our revenues have historically been driven by depository fees, which are composed of deposit, onboarding, compliance, monitoring, and validation fees. However, with the addition of new service offerings, our recent financial results represent a more diversified income stream, which resulted in a strong total revenue growth for fourth quarter and the full year 2023. The diversification of our income streams has allowed us to remain competitive, given the fact that most of our competitors are incapable of diversifying their income, especially with lending. Our proven ability to add new revenue streams, including lending, new credit, and deposit offerings, as well as investment income, represent key areas of differentiation for Safe Harbor. As we leverage our expertise to lead the evolving cannabis finance industry and scale our operations to meet increasing demand, we are seeing other financial institutions desiring to exit the market as they do not have our capabilities, nor are they solely focused on this market segment. Our team is fully dedicated to cannabis financial services, which furthers our competitive edge and high-level competency in our business. Our interests are not divided, and this is a key competitive advantage, undistracted by other markets requiring banking services. Safe Harbor's ability to offer highly competitive rates on loans to new customers, along with the opportunity to provide additional lending services to our established long-term customer base, allowed us to increase the size of our loan book to $55.66 million at the end of December 31st, 2023. This compares to a loan book of $18.9 million at the end of December 31, 2022, representing a significant increase of 194% year-over-year. As a result of higher loan activity, we have steadily increased our loan income, creating a powerful new high-margin revenue channel for Safe Harbor. Total loan interest income from 2023 was $2.97 million, representing an increase of 163%, up from $1.13 million in 2022. Further supporting our financial and operational growth last year was the introduction of an expanded line of deposit and credit tools that has allowed us to further optimize our deposit base. In July 2023, we launched the first interest-bearing commercial deposit account broadly available to cannabis businesses nationwide, providing depositors with the opportunity to earn interest income with no maximum balance limitation. In September 2023, we introduced a new line of credit product to support cannabis enterprises who historically have faced difficulty obtaining debt financing at reasonable terms. Our investment income correlates directly with deposit base and loan book as our financial institution partners collect interest on loans and deposits. In line with our increased account activity, we recognized an increase in investment income, with investment income increasing 175.6% to $5.84 million in 2023, up from $2.12 million in 2022. The fact that we have achieved strong financial growth in 2023 while facing market headwinds due to slowed industry growth and increased competition, along with the loss of deposit accounts from the termination of our partnership with Central Bank, speaks volumes to the strength of our business model. While it remains our goal to increase our deposit base with more active accounts to grow our investment income and facilitate greater lending opportunities, it is just as important to strengthen our fintech platform with more sophisticated products and services to create additional revenue channels and improved margins. We have several opportunities throughout the remainder of 2024 that we expect to lead to an increase in both our deposit activity and number of accounts. We are also very optimistic about our continued growth in 2024 and beyond, as we continue to see increasing efforts to loosen restrictions on cannabis-related businesses with the advancement of the SAFER Banking Act and reclassifying cannabis to a Schedule III drug. As more and more cannabis-related businesses advance opportunities to expand their operations and enter new markets, we believe our expertise in streamlining operations and proficiency in compliance management will continue to set us apart, placing us at the forefront of an even larger market. By consolidating accounts of greater size, our clients can take advantage of optimizing efficiencies in navigating the BSA, which will be continued obstacles even with regulatory changes. The BSA requires maintaining rigorous compliance standards, which are crucial to uphold. I'd like to now turn the call over to Jim to discuss our financial results for the year ended December 31, 2023. Jim? Thanks, Sundie, and good afternoon, everyone. For the fourth quarter of 2023, total revenue increased more than 25% to $4.5 million, compared to $3.6 million in the same period last year. The results for the fourth quarter of 2023 included incremental revenue of $549,000, resulting from a strategic shift that occurred in the fourth quarter of 2023, related to how we apply earned interest to the aggregate average daily balance of our client deposits. This methodology was applied retroactively at the beginning of 2023, with the incremental revenue recognized in the fourth quarter of 2023. For the full year ended December 31, 2023, total revenue increased 85% to $17.6 million, compared to $9.5 million in 2022. As Sundie previously mentioned in her comments, investment income increased by 176% to $5.84 million in 2023 versus the $2.1 million reported in 2022. Loan interest income increased by 163% to $2.97 million in 2023 versus the $1.13 million reported in the prior year. Deposit activity and onboarding income increased by 42% to $8.6 million in 2023 versus $6.1 million reported in 2022. Operating expense in the fourth quarter of 2023 decreased by approximately 17% to $6.2 million, compared to $7.4 million in the comparable prior year period. Lower operating expenses in the fourth quarter were primarily the result of lower compensation-related expenses, as well as lower professional services and consulting-related expenses. This was offset by a $2 million charge for impairment of developed technology taken in the fourth quarter of 2024. For the full year ended December 31, 2023, total operating expense increased to $38.3 million versus $11.7 million in 2022. The increased operating expense versus 2022 was attributable to goodwill and other impairment charges from the second quarter of 2023, related to the Abaca transaction, and impairment charges to developed technology taken in the fourth quarter of 2023, also related to the Abaca transaction. Expenses related to a restructuring of the Abaca transaction consideration completed in the fourth quarter of 2023 and stock-based compensation expense. The company reported $2.5 million of net income in the fourth quarter of 2023, versus a loss of $37 million in the prior period. The driver of the net income produced in the fourth quarter was attributable to the previously mentioned additional investment income captured in the fourth quarter. For the full year of 2023, the company reported a net loss of $17.3 million versus a net loss of $35 million in 2022. The net loss reported for the full year was primarily attributable to the impairment of long-lived assets and goodwill, higher compensation expense, and Abaca consideration restructuring charges. When adjusting net income for interest, taxes, and depreciation and amortization expense, and further adjustments to exclude non-cash, unusual, and/or infrequent costs, we compute an Adjusted EBITDA, which management believes provides an accurate measure to evaluate our operating performance. A reconciliation of net income to Adjusted EBITDA is provided in the press release and 10-K filed earlier today. Adjusted EBITDA for the year ended December 31, 2023, was $3.6 million, versus $1.3 million in 2022. Turning to the balance sheet, as of December 31, 2023, the company reported cash and cash equivalents of $4.9 million, compared to $8.4 million at December 31, 2022. Cash used in operations for 2023 was $832,000, versus cash provided by operations in 2022 of $1.7 million. While the company reported higher operating expenses in 2023 from being a separate standalone public company versus our 2022 results, the company managed to consistently reduce its core operating expenses throughout 2023, while also significantly growing the business. Turning now to our liquidity. While the company reported $4.9 million of cash as of December 31, 2023, the company reported a net working capital deficit of $135,000. This is a significant improvement over the working capital deficit of $39.3 million reported at the end of 2022. The driver of the current working capital deficit is the current portion of the senior secured note owed to Partner Colorado Credit Union and the deferred consideration owed to Abaca shareholders due in November 2024. We expect to reverse the working capital deficit and anticipate reporting positive working capital in the ensuing quarters of 2024. We are pleased with the results for the quarter and the year, and the progress we are making across many aspects of the business, and initiatives to remain the dominant financial services provider to the legal cannabis industry. With that, I will now turn the call back to the operator to open the call for questions. Thank you. At this time, I would like to remind everyone, in order to ask a question, please press star one. Seeing no questions in queue, I will now turn the call back to Sundie Seefried for any closing remarks. I would like to thank everyone again for joining us on today's call and for your continued interest in Safe Harbor Financial. We have proven the strength and value of our business model. Now, given our strong financial institutional partnership network, which continues to grow, and our success in advancing new growth initiatives to meet the needs of today's cannabis industry participants, we believe we are on a strong path for continued results. We look forward to updating with you on our continued progress on our next quarterly conference call. Thank you and have a great day. This concludes today's conference. Thank you for joining us, and you may now disconnect.