NewtekOne, Inc.

Good day and thank you for standing by. Welcome to the NewTekOne, Inc. third quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. Later, we will conduct a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. You will then hear an automated message advising that your hand is raised. To withdraw your question, please press star 1-1 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker, Barry Sloane, Chairman, President, and Chief Executive Officer. Please go ahead.

Thank you very much, operator, and good afternoon, everyone, and welcome to the third quarter 2026 Financial Results Conference Call for NewTekOne, stock symbol NEWT on the NASDAQ. Joining me today on today's call is Frank DeMaria, the Chief Financial Officer of NewTekOne, as well as the CFO of the NewTek Bank National Association. I wanted to thank Bryce Rowe in charge of investor relations for NewTekOne for helping put the presentation together and also the management team of all the NewTek entities for helping deliver a real solid quarter for us. For those of you that want to follow the PowerPoint presentation along, please go to NewTekOne.com, go to the investor relations section, and you'll be able to follow along with this presentation in that particular area under presentations. I'd like to bring everyone's attention to slide number two in that presentation. Please note the note that is in the document regarding forward-looking statements.

Let us go to slide number three.