Nathan Rutledge | IR |
Jack Remondi | CEO |
Joe Fisher | CFO |
Sanjay Sakhrani | KBW |
Bill Ryan | Compass Point |
Rick Shane | JPMorgan |
Arren Cyganovich | Citi |
Vincent Caintic | Stephens |
Mark DeVries | Barclays |
Lee Cooperman | Omega Family Office |
Lance Jessurun | Jefferies |
Mark Hammond | Bank of America |
Henry Coffey | Wedbush |
Moshe Orenbuch | Credit Suisse |
Thank you for standing by and welcome to Navient’s Fourth Quarter 2020 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. [Operator Instructions] Thank you. Mr.