Katapult Holdings, Inc.

The conference will begin shortly. To raise and lower.

Good day and thank you for standing by. Welcome to the Catapult fourth quarter 2022 earnings call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Bill Wright, Head of Investor Relations. Please go ahead.

Thank you, operator, and good morning. Welcome to Catapult's fourth quarter and full year 2022 conference call. With me today are Orlando Zayas, Chief Executive Officer, Nancy Walsh, our recently appointed Chief Financial Officer, and Derek Medlin, our Chief Operating Officer. We issued our earnings release and corresponding investor presentation this morning, and we will be referencing these during the call. Both can be found on the investor relations section of our website. We will be available for Q&A following today's prepared remarks. Before we begin, I would like to remind everyone that this call will contain forward-looking statements regarding our financial performance, our business outlook, and related assumptions that are subject to significant risks and uncertainties, including the future operating and financial performance of Catapult. These forward-looking statements should be considered in conjunction with cautionary statements contained in our earnings release and our Form 10-K for the year ended December 31, 2022, as well as the subsequent periodic and current reports we file with the SEC. These statements reflect management's current beliefs, assumptions, and expectations and are subject to a number of factors that may cause actual results to differ materially from those statements. The information contained in this call is accurate only as of the date discussed. Except as required by law, we undertake no obligation to publicly update or revise any of these statements, whether as a result of any new information, future events, or otherwise. During today's discussion of our financial performance, we will provide certain financial information that constitutes non-GAAP financial measures under SEC rule. These non-GAAP financial measures should not be considered replacements for and should be read together with our GAAP results. A reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measures are included with today's earnings release and are available on the investor relations section of our website. This call is being recorded and a webcast will be available for replay on the investor relations section of our website. I will now turn the call over to Orlando.