Melissa Bronaugh | VP & Head, IR |
Jonathan Witter | CEO & Director |
Steven McGarry | EVP & CFO |
Michael Kaye | Wells Fargo Securities |
Moshe Orenbuch | Crédit Suisse |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Jeffrey Adelson | Morgan Stanley |
Richard Shane | JPMorgan Chase & Co. |
Mark DeVries | Barclays Bank |
Hello. Thank you for standing by, and welcome to Sallie Mae Q1 2023 Earnings Conference Call. [Operator Instructions].
I would now like to hand the conference over to Melissa Bronaugh, you may begin.
Thank you, Towanda.