Derrick Nueman | Vice President, Investor Relations |
Vivek Garipalli | Chief Executive Officer |
Andrew Toy | President and Chief Technology Officer |
Joe Wagner | Chief Financial Officer |
Kevin Fischbeck | Bank of America |
Cal Sternick | JPMorgan |
Ralph Giacobbe | Citi |
Good day and thank you for standing by. Welcome to the Clover Health’s Second Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] It is my pleasure to hand the conference over to Derrick Nueman, Vice President of Investor Relations.