goeasy Ltd.

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Good morning, ladies and gentlemen, and welcome to Go Easy Q1 2026 Earnings Conference Call. At this time, all lines are in the listen-only mode. Following the presentation, we will conduct a question and answer session. And if at any time during this call you require immediate assistance, please press star zero for the operator. Also note that this call is being recorded on Wednesday, May 13, 2026. I would now like to turn the conference over to James O'Bright, Senior Vice President of Investor Relations in Capital Markets. Please go ahead.

Thank you, Operator, and good morning, everyone. Thank you for joining us to discuss GoEasy Limited's results for the first quarter ended March 31st, 2026. Our Q1 news release, which was issued yesterday, is available on CDAR Plus and on the GoEasy website. On today's call, Patrick Enns, GoEasy's Chief Executive Officer, will provide an update on our first quarter performance and recent developments and an outlook for the business. Felix Wu, our Chief Financial Officer, will provide an overview of our Q1, 2026 financial results, as well as our liquidity position. Also joining us on the call today is Jason Appel, GOESI's Chief Risk Officer. After the prepared remarks, we will open the lines for questions from our research analysts. The operator will poll for questions and provide instructions at the appropriate time. Before we begin, I remind you that this conference call is open to all investors and is being webcast through the company website and supplemented by a quarterly earnings presentation, which will be referred to by our speakers today. For those dialing in by phone, the presentation can be found in the investor relations section of the company's website. As noted on slides two and three, forward-looking statements will be made on this call, which involve assumptions that have inherent risks and uncertainties. Actual results could differ materially. I would also remind listeners that GoEasy uses non-IFRS financial measures and metrics to arrive at adjusted results. Management evaluates performance on both a reported and an adjusted basis and considers both useful for assessing underlying business performance. These are more fully described in the appendix.