Melissa Bronaugh | executive |
Jonathan Witter | executive |
Peter Graham | executive |
Arren Cyganovich | analyst |
Moshe Orenbuch | analyst |
Terry Ma | analyst |
Sanjay Sakhrani | analyst |
Michael Kaye | analyst |
John Hecht | analyst |
Jeffrey Adelson | analyst |
Vincent Caintic | analyst |
Mark DeVries | analyst |
Richard Shane | analyst |
Giuliano Anderes-Bologna | analyst |
Hello, and thank you for standing by. Welcome to Sallie Mae 2023 Q4 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to Melissa Bronaugh.
You may begin.
Thank you, Towanda.