Rob O'Hare

“And maybe I'll just use the opportunity to clarify a little bit on the bank charter that we're pursuing. I think it's really important to remember that we're creating a subsidiary bank that's going to be a part of a firm.”

“So a bit of sort of business as usual there, and then we did have one large program make a change to their financing program, which we think is a real positive.”

“I mean, as we outlined in the guide, I mean, we do expect to see RLTC take rates that are slightly above four. I think that's true in both Q3 and Q4 in the guidance that we've provided.”

“The quarter's results, of course, speak for themselves. We are pleased to improve our outlook for the current quarter and the fiscal year. This quarter is a good example of us leaning into growth opportunities with excellent credit quality and LTV characteristics while hitting our targets.”

“Before we begin, I would like to remind everyone listening that today's call may contain forward-looking statements. These forward-looking statements are subject to numerous risks and uncertainties, including those set forth in our filings with the SEC, which are available on our Investor Relations website.”