|John Flynn||Chairman and Chief Executive Officer|
|Ross Jessup||President and Chief Operating Officer|
|Chuck Jehl||Executive Vice President, Chief Financial Officer and Treasurer|
|Ashish Sabadra||Deutsche Bank|
|Randy Binner||B. Riley|
|John Davis||Raymond James|
|Bob Napoli||William Blair|
|David Scharf||JMP Securities|
|Mike Grondahl||Northland Securities|
|Matthew O'Neill||Goldman Sachs|
Good afternoon, and welcome to Open Lending's Fourth Quarter 2020 Earnings Conference Call.
As a reminder, today's conference call is being recorded.
On the call today are John Flynn, Chairman and CEO; and Ross Jessup, President and COO; and Chuck Jehl, CFO. Earlier today, the company posted its fourth quarter 2020 earnings release to its Investor Relations website. In the release, you will find reconciliations of non-GAAP financial measures to the most comparable GAAP financial measures discussed on this call.