 Upstart Holdings, Inc. NASDAQ:UPST Q3 2022 Earnings Conference Call November 8, 2022 3:00 PM ET Company Participants Jason Schmidt - Vice President, Investor Relations Dave Girouard - Co-Founder CEO Sanjay Datta - CFO Conference Call Participants David Scharf - JMP Securities Ramsey El-Assal - Barclays Peter Christiansen - Citi Michael Ng - Goldman Sachs Simon Clinch - Atlantic Equities Sandy Beatty - Morgan Stanley Vincent Caintic - Stephens Arvind Ramnani - Piper Sandler David Chiaverini - Wedbush Securities Operator Good day and welcome to the Upstart Third Quarter 2022 Earnings Call. Todays conference is being recorded. 