Peter Poillon | executive |
Douglas Shulman | executive |
Micah Conrad | executive |
Vincent Caintic | analyst |
Richard Shane | analyst |
Michael Kaye | analyst |
Moshe Orenbuch | analyst |
Terry Ma | analyst |
Mihir Bhatia | analyst |
Arren Cyganovich | analyst |
Welcome to the OneMain Financial Fourth Quarter and Full Year 2023 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Peter Poillon, Head of Investor Relations. Today's call is being recorded. [Operator Instructions] It is now my pleasure to turn the floor over to Peter Poillon.
You may begin.