Real Matters Inc.

good day and thank you for standing by and welcome to the real matters fourth quarter and fiscal 2021 conference call at this time all participants are in the listen only mode after the speaker presentation there will be a question and answer session to ask a question during the session you will need to press star 1 on your telephone please be advised that today's conference is being recorded if you require any further assistance please press star zero I would now like to hand the conference over to your speaker today, Lynn Beauregard. Please go ahead.

Thank you, operator, and good morning, everyone. Welcome to Real Matters Financial Results Conference call for the fourth quarter and fiscal year ended September 30th, 2021. With me today are Real Matters Chief Executive Officer Brian Lang and Chief Financial Officer Bill Herman. This morning before market opened, we issued a news release announcing our results for the three and 12 months ended September 30th, 2021. The release accompanied by presentation as well as the financial statements in MD&A are posted in the investor section of our website at realmatters.com. During the call, we will make certain forward-looking statements which reflect the current expectations of management with respect to our business and the industry in which we operate. However, there are a number of risks, uncertainties, and other factors that could cause our results to differ materially from our expectations. Please see the slide entitled Caution Note regarding forward-looking information in the accompanying slide presentation for more details. You can also find additional information about these risks in the risks section called Risk Factors in the company's annual information form for the year ended September 30th, 2020, which is available on CDAR and the investor relations section of our website. As a reminder, we refer to non-GAAP measures in our slide presentation, including net revenue, net revenue margins, adjusted EBITDA, adjusted EBITDA margins, Nine gap measures are described in our MD&A for the three and 12 months ended September 30th, 2021, where you will also find reconciliations to the nearest IFRS measures. With that, I'll turn the call over to Brian.

Thank you, Lynn. Good morning, everyone, and thank you for joining us on the call. So I'll kick things off today by discussing some of the business highlights for fiscal 2021 and our fourth quarter. Bill will then take a deeper dive into our financials, and I'll wrap up the call with some closing remarks prior to taking questions. I'd like to begin by thanking the Real Matters team for a groundbreaking fiscal 2021, where we continue to win in both our appraisal and title businesses. We now have a tier one and a tier two lender who are two of the top five mortgage lenders in the US by mortgage origination volumes live on our title platform. And both of these clients have provided us with market share increases since going live due to our strong performance. We ended the year with double digit market share in the retail channel with each of these lenders. a great achievement in a short time frame. With a very strong client base and a proven performance track record, we are poised to extend our client relationships in title and grow market share in both appraisal and title. RealMatters is well positioned to continue executing on our strategic plan of doubling our U.S. appraisal market share and tripling our U.S. title market share from fiscal 2020 levels by the end of fiscal 2025. Fourth quarter U.S. appraisal mortgage origination revenues, which includes purchase and refinance, increased 32% year-over-year compared to an estimated 11.6% increase in market volumes in the quarter we launched eight new lenders in u.s appraisal and one new channel with one of our tier one lenders we also continue to rank at the top of lender scorecards which drove market share gains in the main origination channel year over year operational excellence continues to be our principal focus as we drive toward achieving our fiscal 2025 objectives In U.S. title, we launched four new clients in the fourth quarter, and the pipeline is strong. We're very pleased with our performance and the market share progression we have seen thus far with our new title clients. As I mentioned earlier, we drove strong performance with our Tier 1 client and the new Tier 2 lender that resulted in market share already in the double digits with these clients in the retail channel. We are building a strong foundation with these and other franchise clients, and we continue to look at opportunities to leverage our performance equity with them to enter new channels and to onboard new title clients. At the same time, we continue to make progress with our purchase title strategy, building on our existing platform to position ourselves in this $5 billion market, further extending our long-term runway for growth in title. In our Canadian segment, we also continue to deliver strong performance, which extends our market share with our Canadian bank clients, driving fourth quarter revenues up 32.8% year over year. With that, I'll hand it over to Bill. Bill?