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Operator: Ladies and gentlemen, thank you for joining us, and welcome to the LendingClub Corporation Q4 2025 Earnings Conference Call. Artem Nalivayko: Thank you, and good afternoon. Joining me today ...

Thank you, Brad, and good afternoon, everyone. After accounting for some of the noisier items that Sean will walk through, Q4 represents our highest ever quarterly earnings performance. This was a ...

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