Rohit Dewan | Interim Head, IR |
Doug Shulman | Chairman & CEO |
Micah Conrad | CFO |
Michael Kaye | Wells Fargo |
Mark DeVries | Barclays |
Moshe Orenbuch | Crédit Suisse |
John Rowan | Janney |
Rick Shane | JPMorgan |
John Hecht | Jefferies |
Kenneth Lee | RBC |
David Scharf | JMP |
Kevin Barker | Piper Sandler |
Bill Ryan | Compass Point |
Mike Grondahl | Northland Securities |
Welcome to OneMain Financial's Fourth Quarter and Fiscal Year-End 2020 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Rohit Dewan, Interim 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 open for your questions following the presentation. [Operator Instructions].