Brian Cronin | Vice President of Investor Relations |
Raymond Quinlan | Executive Chairman and Chief Executive Officer |
Steven McGarry | Executive Chairman and Chief Financial Officer |
Sanjay Sakhrani | KBW |
Michael Kaye | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citi |
Rick Shane | JP Morgan |
Vincent Caintic | Stephens |
Mark DeVries | Barclays |
Henry Coffey | Wedbush |
Ann Maysek | Rose Grove Capital |
Good morning. My name is Adrienne and I'll be your conference operator today. At this time, I'd like to welcome everyone to the Sallie Mae 2019 Second Quarter Earnings Conference Call. [Operator Instructions]
Thank you.