Jason Schmidt | executive |
David Girouard | executive |
Sanjay Datta | executive |
Peter Christiansen | analyst |
Ramsey El-Assal | analyst |
John Hecht | analyst |
Ronald Josey | analyst |
Nat Schindler | analyst |
David Scharf | analyst |
Good day, everyone, and welcome to the Upstart Fourth Quarter Fiscal Year 2020 Earnings Conference Call. Today's call is being recorded. At this time, I would like to turn the conference over to Jason Schmidt, VP of Investor Relations. Please go ahead, sir.
Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's fourth quarter and 2020 financial results.