Nils Erdmann | VP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO and CAO |
Sanjay Sakhrani | KBW |
Mark DeVries | Barclays |
David Scharf | JMP Securities |
Rick Shane | JP Morgan |
John Hecht | Jefferies |
Greetings, and welcome to the Oportun Financial Corporation Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Mr. Nils Erdmann, Vice President, Investor Relations. Please go ahead, sir.