Martin Adams
Head of Investor Relations

Good morning, and a warm welcome to everybody here today. I'm Martin Adams. I'm the Head of Owner Relations here at Wise. And we have a presentation that we prepared for you today. It will take about 60 minutes. That will be followed by Q&A. And there are copies of the slides on the Owner Relations website if you would like to take a look at those.

We'll be making many statements about the future this morning based on our current expectations. Actual outcomes are subject to many factors and may, therefore, differ materially as a result. Please review our comments on the slide here and the risk factors that you can find in our latest Form 20-F filed with the SEC for additional information. And so with that done, let's get started.

Please join me in welcoming to the stage the Founder and CEO of Wise, Kristo Kaarmann.

Kristo Kaarmann
Co-Founder, CEO & Director

Thank you, Martin. Thanks for organizing this. Hi everyone and welcome from New York to those who are following us on the stream. Yesterday we listed our shares in NASDAQ. That was fun. It's awesome to be here -- it's awesome to be here and I am only to meet the