Andrea Prochniak | Vice President of Investor Relations |
Anthony Noto | Chief Executive Officer |
Chris Lapointe | Chief Financial Officer |
John Hecht | Jefferies |
Ashwin Shirvaikar | Citi |
Moshe Orenbuch | Credit Suisse |
Mihir Bhatia | Bank of America |
Dominick Gabriele | Oppenheimer |
Good afternoon and thank you for attending today's SoFi Q4 2021 Earnings Conference Call. My name is Sam, and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call, with an opportunity for questions and answers at the end. [Operator Instructions] At this time, I would now like to turn the conference over to our host, Andrea Prochniak, VP of Investor Relations. Andrea, please proceed.