Nils Erdmann | Vice President of Investor Relations |
Raul Vazquez | Chief Executive Officer |
Jonathan Coblentz | Chief Financial Officer and Chief Administrative Officer |
Sanjay Sakhrani | Keefe, Bruyette & Woods, Inc. |
John Hecht | Jefferies LLC |
Richard Shane | JPMorgan Chase & Co. |
Good afternoon, and welcome to the Oportun Third Quarter 2020 Earnings Conference Call. 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 Nils Erdmann, Vice President of Investor Relations.