Jennifer Earyes | Head of Investor Relations |
Jack Remondi | President & Chief Executive Officer |
Joe Fisher | Executive Vice President & Chief Financial Officer |
Mark DeVries | Barclays |
Bill Ryan | Seaport |
Steven Kwok | KBW |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JPMorgan |
Jeff Adelson | Morgan Stanley |
Courtney Bahlman | Barclays |
Good day, ladies and gentlemen, thank you for standing by. And welcome to Navient Third Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only-mode. After the peak's presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference may be recorded.