Kathryn Miller | Head-Investor Relations |
Doug Shulman | President and Chief Executive Officer |
Micah Conrad | Chief Financial Officer |
Michael Kaye | Wells Fargo |
Kevin Barker | Piper Sandler |
Rick Shane | JPMorgan |
Moshe Orenbuch | Crédit Suisse |
Kenneth Lee | RBC Capital |
Vincent Caintic | Stephens |
John Hecht | Jefferies |
John Rowan | Janney |
Mark Hammond | Bank of America |
Welcome to the OneMain Financial’s Third Quarter 2020 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 open for your questions following the presentation. [Operator Instructions] It is now my pleasure to turn the floor over to Kathryn Miller.