Kathryn Miller | Head, IR |
Douglas Shulman | President, CEO & Director |
Micah Conrad | EVP & CFO |
John Hecht | Jefferies |
Michael Kaye | Wells Fargo Securities |
Eric Wasserstrom | UBS Investment Bank |
Richard Shane | JPMorgan Chase & Co. |
Moshe Orenbuch | Crédit Suisse |
Mark DeVries | Barclays Bank |
Kevin Barker | Piper Jaffray Companies |
Vincent Caintic | Stephens Inc. |
Arren Cyganovichb | Citigroup |
Henry Coffey | Wedbush Securities |
Welcome to the OneMain Financial First Quarter 2019 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Kathryn Miller, Head of Investor Relations. Today's call is being recorded. [Operator Instructions]. It is now my pleasure to turn the floor over to Kathryn Miller.