MoneyLion Inc.

Good day and welcome to Money Lion Inc's fourth quarter and full year 2023 earnings call. At this time, all participants are in the listen only mode. We will have a question and answer session following the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note this conference is being recorded. Before we go further, I would like to turn the conference over to Sean Horgan, MoneyLion's Head of Investor Relations.

Ladies and gentlemen, please stand by. We appear to be having technical difficulties. Again, please stand by. so so Ladies and gentlemen, we thank you for your patience. We will now resume our event. Sir, please go ahead.

Thank you, operator. Hi, everyone. Thank you for joining us for our fourth quarter and full year 2023 earnings conference call. Moneyline CEO Dee Chowbe and CFO Rick Correa are here with me today to discuss our results. You can find the presentation accompanying our earnings press release on our investor relations website at investors.moneyline.com. Please note that any forward-looking statements made in this commentary are subject to our safe harbor statement found in our SEC filings and in our earnings press release. With that, I will turn the call over to Dave.