Kathryn Miller | Vice President, Investor Relations |
Douglas Shulman | President and Chief Executive Officer |
Scott Parker | Executive Vice President and Chief Financial Officer |
John Hecht | Jefferies |
Michael Kaye | Wells Fargo Securities |
Michael Tarkan | Compass Point |
Eric Wasserstrom | UBS |
John Rowan | Janney Montgomery Scott |
Pierce Dever | Piper Jaffray |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Mark DeVries | Barclays Capital |
Moshe Orenbuch | Credit Suisse |
Arren Cyganovich | Citigroup |
Henry Coffey | Wedbush Securities |
Richard Shane | J.P. Morgan |
Welcome to the OneMain Financial third quarter 2018 earnings conference call and webcast. Hosting the call today from OneMain is Kathryn Miller, Vice President of Investor Relations. Today’s call is being recorded. At this time, all participants have been placed on a listen-only mode and the floor will be open for your questions following the presentation. [Operator Instructions].