Sameer Gokhale | Head, IR |
Scott Sanborn | CEO |
Tom Casey | CFO |
Steven Kwok | KBW |
John Rowan | Janney |
Bill Ryan | Compass Point |
Good afternoon, and welcome to the LendingClub Fourth Quarter and Full Year 2020 Earnings Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Sameer Gokhale, Head of Investor Relations. Please go ahead.