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Good afternoon, and thank you for joining us today. On the call with me are Satya Nadella, Chairman and Chief Executive Officer; Amy Hood, Chief Financial Officer; Alice Jolla, Chief Accounting ...

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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 ...

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