Peter Poillon | Head, Investor Relations |
Doug Shulman | Chairman & Chief Executive Officer |
Micah Conrad | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
Vincent Caintic | Stephens |
Kevin Barker | Piper Sandler |
Michael Kaye | Wells Fargo |
Rick Shane | JPMorgan |
John Hecht | Jefferies |
David Scharf | JMP Securities |
Welcome to OneMain Financial Fourth Quarter and Full Year 2022 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Peter Poillon, 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]