Kathryn Miller | VP, Investor Relations |
Jay Levine | President & CEO |
Scott Parker | EVP & CFO |
Michael Kaye | Wells Fargo Securities |
Michael Tarkan | Compass Point Research & Trading |
Kevin Barker | Piper Jaffray Companies |
Sanjay Sakhrani | KBW |
Mark DeVries | Barclays Bank |
Richard Shane | JPMorgan Chase & Co. |
Moshe Orenbuch | Crédit Suisse |
Arren Cyganovich | Citigroup |
Welcome to the OneMain Financial Second Quarter 2018 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Kathryn Miller, Vice President of Investor Relations. Today's call is being recorded. [Operator Instructions]. It is now my pleasure to turn the floor over to Kathryn Miller.