Artem Nalivayko | IR |
Scott Sanborn | CEO |
Thomas Casey | CFO |
James Faucette | Morgan Stanley |
Brad Berning | Craig Hallum Capital Group |
Jed Kelly | Oppenheimer |
Kerry Rice | Needham & Company |
Stephen Kang | KBW |
Mark May | Citi |
Henry Coffey | Wedbush Securities |
Rob Wildhack | Autonomous Research |
Michael Tarkan | Compass Point |
Heath Terry | Goldman Sachs |
Good day, and welcome to LendingClub’s Fourth Quarter Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Artem excuse me, Nalivayko, Investor Relations Manager.