Happen, Inc.

Good day, and thank you for standing by. Welcome to the HAPN, Inc. Second Quarter 2026 Earnings Conference Call. At this time, all participants are listening. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. You will then hear an automated message, and your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference will be recorded. I'll now hand the conference over to your first speaker today, Artem Nalivako, head of Investor Relations. Please go ahead.

Thank you, and good afternoon.

Welcome to Happen, Inc.'s second quarter 2026 earnings conference call. Joining me today to talk about our results are Scott Sanborn, CEO, section of our website. On the call, in addition to questions from analysts, we will also be answering some of the questions that were submitted for consideration via email or through the SAFE Technologies platform. Our remarks today will include forward-looking statements, including with respect to our competitive advantages, demands for our loans and marketplace products, and future business and financial performance. Our actual results may differ materially from those contemplated by these forward-looking statements. Factors that could cause these results different materially are described in today's press release and earnings presentation. Any forward-looking statements that we make on this call are based on current expectations and assumptions, and we undertake no obligation to update these statements as a result of new information or future events. Our remarks also include non-GAF measures relating to our performance, including tangible plus value for common share and return on tangible common equity. You can find more information on our use of non-GAAP measures and a reconciliation to the most directly comparable GAAP measures in today's various release and presentation. Please note, all financial comparisons in today's prepared remarks are to the prior year period, unless otherwise noted. Finally, this quarter, we've included a new Meet Happen presentation with our materials. This provides a way for investors and media to learn who we are, why we're different, and the opportunity that lies ahead of us. We will make this presentation available on our website going forward. And now I'd like to turn the call over to Scott.