Brian Cronin | VP, IR |
Jon Witter | CEO |
Steve McGarry | EVP & CFO |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
Jeff Adelson | Morgan Stanley |
Moshe Orenbuch | Credit Suisse |
Good day and welcome to the 2022 Third Quarter Sallie Mae 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. Instructions will be given at that time.
As a reminder, this call is being recorded.