PagSeguro Digital Ltd. Class A Common Shares

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To do all of this, switch to PagBank and download the... Good evening, my name is Carolyn and I will be your conference operator for today. Welcome to PagSeguro Digital earnings call for the third quarter 2023. At this time, all lines have been placed on mute to prevent any background noise. Should any participant need assistance during this call, please press star zero to reach the operator. This event is also being broadcast live via webcast and may be accessed through PagSeguro Digital's website at investors.pagbank.com. Participants may view the slides in any order they wish. Today's conference is being recorded and will be available after the event is concluded. I would now like to turn the call over to your host, Eric Oliveira, Head of IR. Please go ahead.

Hello, everyone. Thanks for joining our third quarter 2023 earnings call. After the speaker's remarks, there will be a question and answer session. Before proceeding, let me mention that any forward-looking statements included in the presentation or mentioned on this conference call are based on currently available information and PagSeguro Digital's current assumption, expectations, and projections about future events. While PagSeguro Digital believes that the assumptions, expectations, and projections are reasonable in view of currently available information, you are cautioned not to place undue reliance on these forward-looking statements. Actual results may differ materially from those included in PagSeguro Digital's earnings presentations, or discussed on this conference call for a variety of reasons, including those described in the forward-looking statements and risk factors of PagSeguro Digital's most recent annual report on Form 20F and other filings with the Secured Exchange Commission, which are available on PagSeguro Digital's investor relations website at investors.pagbank.com. Finally, I'd like to remind you that during this conference call, the company may discuss some non-GAAP measures, include those disclosed in the presentation. We present non-GAAP measures when we believe that the additional information is useful and meaningful to investors. The presentation of this non-GAAP financial information, which is not prepared under any comprehensive set of accounting rules or principles, is not intended to be considered separately from or as a substitute for our financial information prepared and presented in accordance with IFRS as issued by the IASB. For more details, the foregoing non-GAAP measures and the reconciliation of these non-GAAP financial measures to the most directly comparable IFRS measures are presented in the last page of this webcast presentation and early release. With that, let me turn the call over to Ricardo. Thank you.