Kathryn Miller | Head-Investor Relations |
Doug Shulman | President and Chief Executive Officer |
Micah Conrad | Chief Financial Officer |
Arren Cyganovich | Citi |
Eric Hagen | KBW |
Eric Wasserstrom | UBS |
Henry Coffey | Wedbush |
John Hecht | Jefferies |
John Rowan | Janney |
Kevin Barker | Piper Jaffray |
Michael Kaye | Wells Fargo |
Mike Grondahl | Northland Securities |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JP Morgan |
Vincent Caintic | Stephens |
Welcome to the OneMain Financial Third 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. At this time, all participants have been placed in a listen-only mode and the floor will be opened for your questions. [Operator Instructions] It is now my pleasure to turn the floor over to Kathryn Miller.