Raul Vazquez | CEO |
Jonathan Coblentz | CFO |
Nils Erdmann | VP, IR |
Mark DeVries | Barclays |
Steven Kwok | Keefe, Bruyette & Woods |
John Hecht | Jefferies |
Richard Shane | JPMorgan |
Greetings. Welcome to the Oportun Financial Third Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions].