Happen, Inc.

Ladies and gentlemen, thank you for joining us and welcome to Happen, Inc.'s third quarter 2026 earnings conference call. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please raise your hand. If you have dialed into today's call, please press star nine to raise your hand and star six to unmute. I will now hand the conference over to Sam Hudson, head of investor relations. Please go ahead.

Thank you and good afternoon. Welcome to Happn, Inc.'s third quarter 2026 earnings conference call. Joining me today to talk about our results are Scott Sanborn, CEO, and Drew LaBenne, CFO. You can find the presentation accompanying our earnings release in the investor relations 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 through email or through the SAIT Technologies platform. Our remarks today will include forward-looking statements including with respect to our competitive advantages, demand 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 to differ 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-GAAP measures relating to our performance, including risk-adjusted revenue, tangible book value per common share, and Return on Tangible Common Equity. You can find more information on our use of non-GAAP measures and a reconciliation of the most directly comparable GAAP measures in today's earnings 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 updated our Meet Happen presentation. This provides a way for our shareholders and the media to learn who we are, why we're different, and the opportunity that lies ahead of us. This presentation is available in the investor relations section of our website. And now I'd like to turn the call over to Scott.

Thank you, Sam.