Jason Schmidt | Vice President, Investor Relations |
Dave Girouard | Co-Founder & CEO |
Sanjay Datta | CFO |
David Scharf | JMP Securities |
Ramsey El-Assal | Barclays |
Peter Christiansen | Citi |
Michael Ng | Goldman Sachs |
Simon Clinch | Atlantic Equities |
Sandy Beatty | Morgan Stanley |
Vincent Caintic | Stephens |
Arvind Ramnani | Piper Sandler |
David Chiaverini | Wedbush Securities |
Good day and welcome to the Upstart Third Quarter 2022 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Jason Schmidt, Vice President of Investor Relations. Please go ahead, sir.