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Q4 2024 Guidance -- Expected revenue between $71 million and $72 million; expected non-GAAP operating expenses of $50.5 million to $51.5 million; expected non-GAAP EPS of $0.23 to $0.24.

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Thank you. Joining me today are Vince Calabrese, our Chief Financial Officer; and Gary Guerrieri, our Chief Credit Officer.