LM Funding America, Inc. (LMFA) Q4 2024 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.959 Good day, and thank you for standing by. Welcome to the LM Funding America fourth quarter 00:00:04.959 -- 00:00:09.326 and full year 2024 conference call. At this time, all participants are in a listen-only 00:00:09.326 -- 00:00:13.151 mode. After the speaker's presentation, there will be a question and answer session. 00:00:13.151 -- 00:00:18.380 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:18.380 -- 00:00:21.625 You will then hear an automated message advising your hand is raised. 00:00:21.625 -- 00:00:23.808 To withdraw your question, please press star 1-1 again. 00:00:23.808 -- 00:00:27.487 Please be advised that today's conference is being recorded. 00:00:27.487 -- 00:00:30.690 I would now like to hand the conference over to your speaker today, Cody Fletcher, Investor 00:00:30.690 -- 00:00:33.951 Relations. Please go ahead. 00:00:34.873 -- 00:00:39.918 Thank you, Operator, and thank you all for joining LM Funding America's fourth quarter 00:00:39.918 -- 00:00:43.601 and full year 2024 earnings conference call. 00:00:43.601 -- 00:00:48.345 Joining us today are Chairman and CEO Bruce Rogers, President of U.S. 00:00:48.345 -- 00:00:52.829 Digital Mining Ryan Duran, and CFO Richard Russell. 00:00:52.829 -- 00:00:57.102 For today's call, we've uploaded an accompanying supplemental investor presentation. 00:00:57.102 -- 00:01:03.068 which can be found under the events section of LM Funding's investor relations website. 00:01:03.068 -- 00:01:06.992 Before we get started, please note that our remarks today may include forward-looking 00:01:06.992 -- 00:01:11.677 statements. These statements are subject to risks and uncertainties, and actual results 00:01:11.677 -- 00:01:13.780 may diff...