Nathan Rutledge | Head, IR |
Jack Remondi | CEO |
Joe Fisher | CFO |
Sanjay Sakhrani | KBW |
Vincent Caintic | Stephens |
Mark DeVries | Barclays |
Lee Cooperman | Omega Family |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citi |
Rick Shane | J.P. Morgan |
Bill Ryan | Seaport Research Partners |
Henry Coffey | Wedbush |
Good day and thank you for standing by. Welcome to the Navient Third Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions].