Q4 2019 Navient Corp Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the Navient Fourth Quarter 2019 Earnings Call. (Operator Instructions)
I would now like to hand the conference over to your speaker today, Joe Fisher. Thank you. Please go ahead.
Thank you, Sean. Good morning, and welcome to Navient's 2019 Fourth Quarter Earnings Call. With me today are Jack Remondi, our CEO; and Chris Lown, our CFO. After their prepared remarks, we will open up the call for questions.
Before we begin, keep in mind our discussion will contain predictions, expectations and forward-looking statements. Actual results in the future may be materially different from those discussed here. This could be due to a variety of factors. Listeners should refer to the discussion of those factors on the company's Form 10-K and other filings with the SEC.
During this conference call, we will refer to non-GAAP measures we call our core earnings. A description of core earnings, a full reconciliation to
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