Artem Nalivayko | executive |
Scott Sanborn | executive |
Andrew LaBenne | executive |
Bradley Capuzzi | analyst |
Giuliano Anderes-Bologna | analyst |
William Ryan | analyst |
Reginald Smith | analyst |
David Chiaverini | analyst |
Michael Perito | analyst |
Hello, everyone. Thank you for attending today's LendingClub Fourth Quarter 2023 Earnings Conference Call. My name is [ Sierra ], and I will be your moderator today. [Operator Instructions] I would now like to pass the conference over to our host, Artem Nalivayko, Head of Investor Relations.
Thank you, and good afternoon.