Brian J. Cronin | Vice President of Investor Relations |
Jon Witter | Chief Executive Officer |
Steve McGarry | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Michael Kaye | Wells Fargo |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Moshe Orenbuch | Credit Suisse |
Jordan Hymowitz | Philadelphia Financial Management |
Henry Coffey | Wedbush Securities |
Ladies and gentlemen, thank you for standing by and welcome to the Sallie Mae 2020 Q4 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. [Operator Instructions] I would like to hand the conference over to Mr.