Artem Nalivayko | executive |
Scott Sanborn | executive |
Andrew LaBenne | executive |
Giuliano Anderes-Bologna | analyst |
Vincent Caintic | analyst |
William Ryan | analyst |
David Chiaverini | analyst |
Reginald Smith | analyst |
Bradley Capuzzi | analyst |
Timothy Switzer | analyst |
Good afternoon. Thank you for attending today's LendingClub 2Q '24 Earnings Conference Call. My name is [indiscernible] and I'll be your moderator for today. [Operator Instructions] I would now like to pass the conference over to our host, Artem Nalivayko, Head of Investor Relations. Artem, you may proceed.