Joe Fisher | IR |
Jack Remondi | CEO |
Chris Lown | CFO |
Mark DeVries | Barclays |
Sanjay Sakhrani | KBW |
Michael Tarkan | Compass Point |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citi |
Mark Hammond | Bank of America High Yield |
John Hecht | Jefferies |
Rick Shane | JPMorgan |
Henry Coffey | Wedbush Securities |
Good morning. My name is Christie and I will be your conference operator today. At this time, I would like to welcome everyone to the Navient First Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks there will be question-and-answer session.