Joe Fisher | Investor Relations |
Jack Remondi | Chief Executive Officer |
Chris Lown | Chief Financial Officer |
Michael Tarkan | Compass Point |
Terry Ma | Barclays |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Mark Hammond | Bank of America |
Henry Coffey | Wedbush |
Mike Del Grosso | Jefferies |
Arren Cyganovich | Citi |
Ashish Nair | Citi |
Good morning. My name is Ashley and I will be your conference operator today. At this time, I would like to welcome everyone to the Navient Second Quarter 2018 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks there will be question-and-answer session.