Joe Fisher | IR |
Jack Remondi | CEO |
Chris Lown | CFO |
Mark DeVries | Barclays |
Arren Cyganovich | Citi |
Leon Cooperman | Omega Advisors |
Scott Valentin | Compass Point |
John Hecht | Jeffries |
Mark Hammond | Bank of America |
Rick Shane | J.P. Morgan |
Dominic Gabriel | Oppenheimer |
Moshe Orenbuch | Credit Suisse |
Henry Coffey | Wedbush |
Good day ladies and gentlemen and welcome to the Navient’s First Quarter 2019 Earnings Conference Call. At this time all participants are in a listen-only mode. Later we’ll have a question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder this conference call is being recorded. I will now like to introduce your host for today's conference Mr.