Dorian Hare | SVP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO, CAO |
Mark DeVries | Barclays |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
David Scharf | JMP |
John Hecht | Jefferies |
Hal Goetsch | Loop Capital |
Good evening, and welcome to Oportun Financial Third Quarter 2022 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Dorian Hare. Please go ahead.