Brian Cronin | Vice President-Investor Relations |
Jon Witter | Chief Executive Officer |
Steve McGarry | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Michael Kaye | Wells Fargo Securities |
Mark DeVries | Barclays |
Moshe Orenbuch | Credit Suisse |
Matthew Hewitt | Jefferies |
Good day, and welcome to the 2021 Fourth Quarter Sallie Mae Conference Call. At this time all participants are in a listen-only mode. [Operator Instructions] As a reminder, this call is being recorded. I would now like to turn the call over to Brian Cronin, Vice President, Investor Relations.
You may begin.