Kathryn Miller | Investor Relations |
Doug Shulman | President and Chief Executive Officer |
Micah Conrad | Chief Financial Officer |
Michael Kaye | Wells Fargo |
John Rowan | Janney |
Kevin Barker | Piper Sandler |
Eric Hagen | KBW |
Rick Shane | JP Morgan |
Moshe Orenbuch | Credit Suisse |
Mark DeVries | Barclays |
Vincent Caintic | Stephens |
Henry Coffey | Wedbush |
Giuliano Bologna | BTIG |
Welcome to the OneMain Financial Fourth Quarter 2019 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Kathryn Miller, Head of Investor Relations. Today’s call is being recorded. At this time, all participants have been placed in a listen-only mode, and the floor will be opened for your questions following the presentation [Operator Instructions]. It is now my pleasure to turn the floor over to Kathryn Miller.