Good morning, ladies and gentlemen. I'm Fred Niehaus, Safe Harbor Financial Holdings Board Chair. Welcome to the 2026 annual meeting of stockholders. I'll be acting as the chairman of this meeting. Beth VanDerbeck will act as Inspector of Election, and Mike Regan, the Board Secretary, will serve as secretary for this meeting. On behalf of the board of directors, the management, and employees of the company, I thank you for joining us today. Our meeting today will consist of the matters before the stockholders for a vote. The proposals to be voted on today are summarized as follows. Proposal number one, to elect two director nominees to serve as Class 2 directors. Proposal number two, to ratify the appointment of Macias Gini & O'Connell LLP as the company's independent registered public accounting firm for the year ending December 31st, 2026. It is our intention to conduct the meeting in accordance with the agenda appearing on the screen. I would now like to introduce our directors present at the meeting. Myself, Fred Niehaus, Francis A. Braun III, Richard Carleton, Tyler Klimas, Sean Tonner, and Terrance Mendez, who is also the CEO of Safe Harbor Holdings, Inc. I also want to acknowledge and thank Richard Carleton for his service to the Safe Harbor Board over his term as director. Also present at the meeting in person or by telephone conference are a representative from Macias Gini & O'Connell LLP, the company's independent registered public accounting firm, and Beth VanDerbeck as Inspector of Election. If you're having any technical difficulties or require additional support, please call 1-888-880-1014 for assistance. The official meeting will now come to order. The polls are now open. The board of directors has fixed April 30th, 2026, as the record of date for the determination of stockholders entitled to notice and to vote at this meeting. Only stockholders of record on the close of business on that date are entitled to vote at this meeting. Also, please note that this meeting is being recorded. However, no one attending via the webcast or telephone is permitted to use any recording device. Mike? At this time, I, Mike Regan, as the board secretary, present to the meeting the affidavit executed by Broadridge Financial Solutions, Inc., indicating that the proxy materials were mailed to all stockholders of record as of the record date. A stockholders' list as of the record date certified by the transfer agent, which will be filed with the minutes of this meeting, and the list of stockholders will be kept available for inspection by the stockholders throughout the meeting. I would now like to ask if the Inspector of Elections, Beth VanDerbeck, would care to make a statement. Beth? Mr. Chairman, the company has appointed me to act as Inspector of Elections. I previously signed the oath of office, which has been filed with the secretary of the meeting. I will now report on the votes. The holders of the majority of the shares of the company's Class A common stock issued and outstanding and entitled to vote are present in person or by proxy. This constitutes a quorum for the purposes of the meeting. Mike? The inspector's certificate on the stockholders present shall be filed with the minutes of this meeting. Given the inspector's report that there is a quorum present, I declare that this meeting is duly constituted and convened and is competent to proceed with the transaction of business. As Mr. Niehaus stated a moment ago, there are two proposals to be voted on at this meeting. You do not need to resubmit a vote if you have already submitted a proxy card and do not wish to revoke it. The two proposals to be voted on are summarized as follows. Proposal number one, the election of two director nominees, each of whom will be elected to serve as a Class 2 director. Proposal two, the ratification of the appointment of MGO as the company's independent registered public accounting firm for the year ending December 31st, 2026. Additional information regarding each proposal is contained in the proxy materials related to this annual meeting. If any stockholder would like to ask a question or make a comment regarding any of the proposals, please submit them through the web portal. Please place any remaining votes now. Polls are now closed. We'll have a short pause while the votes are being tabulated. Beth? Yes, Mr. Chairman. The following is the preliminary report of the inspector on the results of the voting. Two nominees, Jonathan Niehaus and Sean Tonner, have each been elected to serve as a Class 2 director, and the appointment of MGO has been ratified. Thank you. The certificate of Inspector of Election on the final tallies of votes received for the proposals will be included in the minutes of this meeting. We will also be filing a Form 8-K with the SEC to reflect the election results and the number of votes cast for each and against each proposal. Cast for and against each proposal. Mike? That concludes the formal portion of the meeting today, and I move for the adjournment. If there is nothing further, the meeting is adjourned. Thank you, everyone. Ladies and gentlemen, this does conclude the meeting and you may now disconnect.