Joe Fisher | Investor Relations |
Jack Remondi | Chief Executive Officer |
Chris Lown | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Michael Tarkan | Compass Point |
Moshe Orenbuch | Credit Suisse |
Mark Giambrone | Barrow Hanley |
Mark Hammond | Bank of America High Yields |
Rick Shane | J.P. Morgan |
Ladies and gentlemen, my name is Lance, and I will be your operator for today’s conference. At this time, I would like to welcome everyone to the Navient Fourth Quarter 2018 Earnings Call. All lines have been placed on a listen-only mode to prevent any background noise. Later, there will be a question-and-answer session. [Operator Instructions] I would like to turn the call over to Joe Fisher.