Brian Cronin | Vice President, Investor Relations |
Jon Witter | CEO |
Steve McGarry | CFO |
Moshe Orenbuch | Credit Suisse |
Steven Kwok | KBW |
Henry Coffee | Wedbush |
Vincent Caintic | Stephens |
Melissa Wedel | JP Morgan |
Arren Cyganovich | Citi |
Lance Jessurun | Jefferies |
Michael Kaye | Wells Fargo |
Ladies and gentlemen, thank you for standing by and welcome to the Sallie Mae 2020 First Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to your presenter today, Brian Cronin, Vice President of Investor Relations.