Gaelen Morphet

Good afternoon, ladies and gentlemen. Welcome to the Annual and Special Meeting of Shareholders of MCAN Mortgage Corporation doing business as MCAN Financial Group. My name is Gaelen Morphet, and I am Chair of the Board of Directors of MCAN.

Once again, this year's meeting is being held in person and is also accessible online via live video webcast for those of you who couldn't be here in person. I'm happy to welcome our team members, shareholders and directors joining us in person and virtually from across the country.

Joining me at the meeting in person today are Derek Sutherland, our President and Chief Executive Officer; Santokh Birk, Senior Vice President and Chief Financial Officer; and Sylvia Pinto, our Corporate Secretary.

As in past years, we expect that the vast majority of votes have been cast in advance of the meeting by proxy through the various available channels. That said, the right to vote and participate in the meeting is very important, and we are fully supportive of the participation. Registered shareholders and duly appointed proxy holders who have not voted or wish to change their vote may vote in person by paper ballot or online by clicking on the voting icon on the virtual meeting platform. Once discussion on all business matters has concluded, those participating will be provided further time to enter their votes before I declare voting closed on all resolutions.

Registered shareholders, beneficial shareholders and guests can submit questions any time online by