Kevin Toomey | Director, Investor Relations |
Luke Schoenfelder | CEO and Co-founder |
Garth Mitchell | CFO |
Stephen Sheldon | William Blair |
Ryan Tomasello | KBW |
Tom White | D.A. Davidson |
Ben Sherlund | Cantor Fitzgerald |
Good afternoon, and thank you for standing by, welcome to the Latch Fourth Quarter 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]. I'd now like to hand the conference over to the speaker today Kevin Toomey.