Q4 2021 SLM Corp Earnings Call Transcript
Good day, and welcome to the 2021 Fourth Quarter Sallie Mae Conference Call. (Operator Instructions)
As a reminder, this call is being recorded.
I would now like to turn the call over to Brian Cronin, Vice President, Investor Relations. You may begin.
Thank you, Michelle. Good morning, and welcome to Sallie Mae's Fourth Quarter and Year-End 2021 Earnings Call. It is my pleasure to be here today with Jon Witter, our CEO; and Steve McGarry, our CFO. After the 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 than those discussed here. This could be due to a variety of factors. Listeners should refer to the discussion of those factors in the company's Form 10-Q and other filings with the SEC. For Sallie Mae, these factors include, among others, the potential impact of COVID-19 pandemic on our business, results of
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