Nathan Rutledge | IR |
Jack Remondi | CEO |
Joe Fisher | CFO |
Mark DeVries | Barclays |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citigroup |
Vincent Caintic | Stephens |
Mark Giambrone | Barrow, Hanley |
Sanjay Sakhrani | KBW |
Mark Hammond | Bank of America |
Rick Shane | JPMorgan |
Leon Cooperman | Omega Family Office |
John Hecht | Jefferies |
Henry Coffey | Wedbush |
Thank you for standing by and welcome to Navient’s Third Quarter 2020 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. [Operator Instructions]. Thank you.