Brian Cronin | Vice President & Head of Investor Relations |
Jon Witter | Chief Executive Officer |
Steven McGarry | Executive Vice President & Chief Financial Officer |
Moshe Orenbuch | Crédit Suisse |
Rick Shane | JPMorgan |
Steven Kwok | KBW |
Henry Coffey | Wedbush |
Jon Arfstrom | RBC Capital Markets |
Good day and thank you for standing by. Welcome to the Sallie Mae Third Quarter 2021 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] Please be advised that today's conference is being recorded.