Peter Poillon | Head, IR |
Douglas Shulman | Chairman, President & CEO |
Micah Conrad | EVP & CFO |
Moshe Orenbuch | Crédit Suisse |
Kevin Barker | Piper Sandler & Co. |
Michael Kaye | Wells Fargo Securities |
John Hecht | Jefferies |
John Rowan | Janney Montgomery Scott |
Richard Shane | JPMorgan Chase & Co. |
Welcome to the OneMain Financial Third Quarter 2022 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Peter Poillon, Head of Investor Relations. [Operator Instructions]. It is now my please to turn the floor over to Peter Poillon. Sir, you may begin.