 On Deck Capital, Inc. NYSE:ONDK Q2 2020 Earnings Conference Call July 29, 2020, 08:00 ET Company Participants Stephen Klimas - Head, IR Noah Breslow - Chairman CEO Nicholas Brown - Chief Risk Officer Kenneth Brause - CFO Conference Call Participants Steven Wald - Morgan Stanley Eric Wasserstrom - UBS Investment Bank Melissa Wedel - JPMorgan Chase Co. 