Joe Fisher | Vice President, Investor Relations and Corporate Development |
Jack Remondi | President and Chief Executive Officer |
Christian Lown | Executive Vice President and Chief Financial Officer |
Mark DeVries | Barclays Capital |
Vincent Caintic | Stephens Inc. |
Moshe Orenbuch | Credit Suisse |
Lee Cooperman | Omega Family Office |
Richard Shane | J.P. Morgan |
Mark Hammond | Bank of America Securities, Inc. |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
John Hecht | Jefferies |
Henry Coffey | Wedbush Securities Inc. |
Arren Cyganovich | Citigroup |
Ladies and gentlemen, thank you for standing by. And welcome to the Navient First Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions].