Nathan Rutledge | Head, IR |
Jack Remondi | President & CEO |
Joe Fisher | Executive VP & CFO |
Sanjay Sakhrani | KBW |
Arren Cyganovich | Citi |
Rick Shane | JPMorgan |
Moshe Orenbuch | Credit Suisse |
Mark DeVries | Barclays |
John Hecht | Jefferies |
Bill Ryan | Seaport Research |
Good day. And thank you for standing by. Welcome to the Navient Fourth Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session.