BM Technologies, Inc.

Good afternoon, everyone, and welcome to the BM Technologies fourth quarter and full year 2022 earnings call. Please note that this event is being recorded. Following management's prepared remarks, we will hold a question and answer session. For those of you joining on the webcast, you can submit your questions online where the management team can see them. At this time, I'd like to turn the conference call over to Brian Pronovo, Investor Relations for BM Technologies. Please go ahead.

Thank you, Operator, and good afternoon, everyone.

Thank you for joining us for BM Technologies' fourth quarter and full year 2022 earnings call. Our earnings release and investor presentation were filed this afternoon, and both are posted on the investor relations page of the company's website at ir.bmtxinc.com. Our investor presentation includes important details that we will be walking through on this afternoon's webcast. I encourage everyone to pull up a copy. Before we begin, I would like to remind you that some of the statements we make today may be considered forward-looking. These forward-looking statements are subject to a number of risks and uncertainties that may cause actual performance results to differ materially from what is currently anticipated. Please note that these forward-looking statements speak only as of the date of this presentation and we undertake no obligation to update these forward-looking statements in light of new information or future events, except to the extent required by applicable securities laws. Please refer to our SEC filings, including our Form 10-K and 10-Q, for a more detailed description of the risk factors that may affect our results. Copies may be obtained from the SEC or by visiting the Investor Relations section of our website. At this time, it is my pleasure to turn the call over to Lavaline Sidhu BM Technologies Chair and CEO.