 Affirm Holdings, Inc. NASDAQ:AFRM Q1 2023 Results Conference Call November 8, 2022 5:00 PM ET Company Participants Zane Keller - Director of Investor Relations Max Levchin - Founder and Chief Executive Officer Michael Linford - Chief Financial Officer Conference Call Participants James Faucette - Morgan Stanley Moshe Orenbuch - Credit Suisse Ramsey El-Assal - Barclays Mike Ng - Goldman Sachs Reggie Smith - JPMorgan Chris Brendler - D.A. Davidson Kevin Barker - Piper Sandler Bryan Keane - Deutsche Bank Mihir Bhatia - Bank of America Eugene Simuni - MoffettNathanson Andrew Bauch - SMBC Nikko Securities Operator Good afternoon. 