Nu Holdings Ltd.

Good afternoon, ladies and gentlemen. Welcome to New Holdings conference call to discuss the results for the first quarter 2022. A slide presentation accompanies today's webcast, which is available on New Investors Relations website, www.investors.new in English and www.investidores.new in Portuguese. This conference is being recorded and the replay can also be accessed on the company's IR website. This call is also available in Portuguese. To access, you can press the icon on the lower right side of your Zoom screen and then just enter the Portuguese room. After that, select Mute Original Audio. Para acessar nossa conferência em português, clique no ícone do lado inferior direito da sua tela Zoom e clique na opção Portuguese Room. Ao acessar a nova sala, certifique-se de mutar o áudio original. Please be advised that all participants will be in listening-only mode. You may submit online questions at any time today using the Q&A box on the webcast. I would now like to turn the floor over to Mr. Guilherme Vieira, Investor Relations Senior Manager at New Holdings. You may proceed.

Thank you very much, operator. Good afternoon, everyone, and thank you for joining our earnings call today. If you have not seen our earnings release, a copy is posted in the results center section of our investor relations website. With me on today's call are David Velez, our founder, chief executive officer and chairman, Guilherme Lago, our chief financial officer, and Youssef Larik, our chief operating officer. Additionally, Jack Dougal, our Chief Product Officer, will be joining us for the Q&A section of the call. Throughout this conference call, the company will be presenting non-IFRS financial information, including adjusted net income. These are important financial measures for the company, but are not financial measures as defined by IFRS. Reconciliations of the company's non-IFRS financial information to the IFRS financial information are available in our earnings press release. Also note that unless noted otherwise, all growth rates are on year-over-year and FX-neutral basis. I would like to remind everyone that today's discussion might include forward-looking statements. These forward-looking statements are not guarantees of future performance and therefore you should not put undue reliance on them. These statements are subject to numerous risks and uncertainties that could cause actual results to differ materially from the company's expectations. Please refer to the forward-looking statements disclosure in the company's earnings press release. Today, our founder and CEO, Davi Velez, will discuss the main highlights of our first quarter 2022 results and some of the opportunities ahead. Subsequently, Guilherme Lago, our CFO, and Youssef Larouk, our COO, will take you through our financial performance for the quarter, after which time we will be happy to take your questions.

I would like to turn the call over to Davi. Please go ahead.