Joe Fisher | Vice President-Investor Relations and Corporate Development |
Jack Remondi | Chief Executive Officer |
Chris Lown | Chief Financial Officer |
Rick Shane | JP Morgan |
Mark DeVries | Barclays |
Lee Cooperman | Omega |
Sanjay Sakhrani | KBW |
Mark Hammond | Bank of America |
Henry Coffey | Wedbush |
Moshe Ari Orenbuch | Crédit Suisse |
John Hecht | Jefferies |
Arren Cyganovich | Citi |
Ladies and gentlemen thank you for standing by. And welcome to the Navient Fourth Quarter 2019 Earnings Call. [Operator Instructions]
I would now like to hand the conference over to your speaker today, Joe Fisher. Thank you.