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Operator: Good morning everyone, and welcome to the BM Technologies First Quarter and 2024 Earnings Call. Please note that this event is being recorded.

Kwazulu natalSouth africaMike grondahlBrian prenoveauGreg pendyJamie donahueAjay asijaLuvleen sidhuIdentity verification serviceTechnology officerFirst carolina bankDurban exempt partner bankBm technologies incCall transcript mayFirst quarterInvestor relations