Affirm Holdings, Inc.

Good morning, and welcome to the Affirm Holdings Third Quarter Fiscal 2024 Earnings Call. Following the speaker's remarks, we will open the line for your questions. As a reminder, this conference is being recorded, and a replay of the call will be available on our Investor Relations website for a reasonable period of time after the call. I'd now like to turn the call over to Zane Keller, Director, Investor Relations. Thank you. You may begin.

Thank you, operator. Before we begin, I would like to remind everyone listening that today's call may contain forward-looking statements. These forward-looking statements are subject to numerous risks and uncertainties, including those set forth on our filings with the SEC, which are available on our investor relations website. Actual results may differ materially from any forward-looking statements that we make today. These forward-looking statements speak only as of today, and the company does not assume any obligation or intent to update them except as required by law. In addition, today's call may include non-GAAP financial measures. These measures should be considered as a supplement to and not a substitute for GAAP financial measures. For historical non-GAAP financial measures, reconciliations to the most directly comparable GAAP measures can be found in our earnings supplement slide deck, which is available on our investor relations website. Hosting today's call with me are Max Levchin, the firm's founder and chief executive officer, and Michael Linford. firm's chief financial officer. In line with our practice in prior quarters, we will begin with brief opening remarks from Max before proceeding immediately into Q&A. On that note, I will turn the call over to Max to begin.

Thank you, Zane. Thank you for joining us today. As you can tell, we're trying something new, a pre-market open earnings call. live from New York in our awesome remote work, be damned, very well attended office in Manhattan. We're excited to see some of you in person later this week. But for now, as you can tell, we had another excellent quarter. It's all in our note. So let's jump straight into Q&A. Back to you Zane.