Rohit Dewan | Interim Head & Investor Relations |
Douglas Shulman | President and Chief Executive Officer |
Scott Parker | Executive Vice President and Chief Financial Officer |
Michael Kaye | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
John Hecht | Jefferies |
Vincent Caintic | Stephens |
Arren Cyganovich | Citi |
Kevin Barker | Piper |
John Rowan | Janney |
Welcome to the OneMain Financial Fourth Quarter and Full Year 2018 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Rohit Dewan, Interim Head and Investor Relations. Today’s call is being recorded. At this time, all participants have been placed on a listen-only mode and the floor will be open for your questions following the presentation. [Operator Instructions] It is now my pleasure to turn the floor over to Rohit Dewan.