Joe Fisher | Vice President, Investor Relations and Corporate Development |
Jack Remondi | President and Chief Executive Officer |
Ted Morris | Controller and Acting Chief Financial Officer |
Vincent Caintic | Stephens Inc. |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Mark DeVries | Barclays Capital |
Richard Shane | J.P. Morgan |
Leon Cooperman | Omega Family |
Mark Hammond | Bank of America Merrill Lynch High Yield |
John Hecht | Jefferies |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citigroup |
Ladies and gentlemen, thank you for standing by and welcome to the Navient Second Quarter 2020 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]. It is now my pleasure to turn the call over to your host, Mr.