Brian Cronin | Vice President of Investor Relations |
Jonathan Witter | Chief Executive Officer |
Steve McGarry | Chief Financial Officer |
Michael Kaye | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Steven Kwok | KBW |
Melissa Wedel | JPMorgan |
Arren Cyganovich | Citi |
Vincent Caintic | Stephens |
Jordan Hymowitz | Philadelphia Financial Management |
Good day, and thank you for standing by. Welcome to Sallie Mae's First Quarter 2021 Earnings Conference 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] Please be advised that today's conference is being recorded.