Melissa Bronaugh | executive |
Jonathan Witter | executive |
Peter Graham | executive |
Steven Kwok | analyst |
Terry Ma | analyst |
Jeffrey Adelson | analyst |
John Hecht | analyst |
Richard Shane | analyst |
Jon Arfstrom | analyst |
Welcome to the Sallie Mae First Quarter 2024 Earnings Conference Call. [Operator Instructions].
I would now like to turn the call over to Melissa Bronaugh, Head of Investor Relations. Please go ahead.
Thank you, David.