 Ladies and gentlemen, thank you for standing by, and welcome to Cardlytics second-quarter 2020 financial results call. Before we begin, let me remind everyone that todays discussion will contain forward-looking statements based on our current assumptions, expectations and beliefs, including expectations about future financial performance or results, the anticipated impact of key priorities on driving growth, the launch of US Bank, growth in FI MAUs or monthly active users, future ARPU or average revenue per user, the evolution of our platform to provide self-service and the potential related benefits to us and our clients, the impact of COVID-19 on our business and the economy as a whole, the impact of our Rise, Retain and Return strategy and the sufficiency of our capital structure. 