Matthew Santora | Director of Investor Relations |
Jon Witter | Chief Executive Officer |
Steve McGarry | Chief Financial Officer |
Michael Kaye | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Steven Kwok | KBW |
Vincent Caintic | Stephens |
Henry Coffey | Wedbush |
Arren Cyganovich | Citigroup |
Rick Shane | JPMorgan |
Ladies and gentlemen, thank you for standing by and welcome to the SLM Third Quarter Earnings 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]. Please be advised that today's conference is being recorded.