SHF Holdings, Inc.

Thank you for standing by. My name is Benjamin, and I will be your conference operator today. At this time, I would like to welcome everyone to Safe Harbor Financial First Quarter 2024 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you'd like to ask a question during this time, simply press star 1 on your telephone keypad. If you would like to withdraw your question, press star 1 again. Thank you. I would like to turn the call over to Erica Kay. Please go ahead.

Thank you. Good afternoon, everyone, and welcome to the first quarter 2024 Earnings Conference Call for Safe Harbor for 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, including the company's annual report on Form 10-K for the year ended December 31, 2023, as well as limitation factors included in the forward-looking statements in the company's annual report on Form 10-K for the year ended December 31, 2023, which are available at www.sec.gov. or on our website at ir.shfinancial.org. The forward-looking statements in this call, we 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, Dave Harbour will present both GAAP and non-GAAP financial measures. The reconciliation of non-GAAP to GAAP measures was included in today's earnings press release, which you can find on the company's investor relations website or on the FDC website. Finally, the content of this call may contain time-sensitive information accurate only as of today, May 13, 2024. SHF Holdings Inc. undertakes no obligation to revise or otherwise update any statements to reflect events or circumstances other than the date of this call. All dollar amounts expressed today are in U.S. currency. Presenting today will be Sundy Seyfried, Chief Executive Officer, and Jim Venity, Chief Financial Officer of Safe Harbor. I'll now hand the call over to Sundy. Sunday, please go ahead.