Melissa Bronaugh | VP & Head, IR |
Jonathan Witter | CEO & Director |
Steven McGarry | EVP & CFO |
Jeffrey Adelson | Morgan Stanley |
Richard Shane | JPM |
Michael Kaye | Wells Fargo |
Steven Kwok | KBW |
Arren Cyganovich | Citi |
Hello. And thank you for standing by. Welcome to Sallie Mae Second Quarter 2023 Earnings Conference Call. [Operator Instructions].
I would now like to hand the conference over to Melissa Bronaugh.