Artem Nalivayko | Vice President of Finance |
Scott Sanborn | Chief Executive Officer |
Drew LaBenne | Chief Financial Officer |
Bill Ryan | Seaport Research Partners |
Reggie Smith | JPMorgan |
Alexander Villalobos | Jefferies |
Giuliano Bologna | Compass Point |
Tim Switzer | KBW |
Hello, everyone. Thank you for attending today's LendingClub's Second Quarter Earnings Conference Call. My name is Sierra, and I will be your moderator for today. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers around the end. [Operator Instructions]