Good morning, everyone. Thank you for your interest in Navient. Since this time last year, all three strategic initiatives outlined in January of 2024 have been completed. The final expenses associated with the wind-down activities of Legacy Navient were incurred this past quarter. In the months ahead, we remain focused on delivering value through consistent high-quality loan growth, disciplined capital allocation, scalable operating efficiencies, strategic origination funding, and maximizing the cash flows from our loan portfolios. We'll continue to keep you updated on our progress. With the successful completion of the strategic initiatives and the accompanying expense reduction targets, it's a natural time for me to transition out of the CEO role. As previously shared, Ed Bramson will step into the CEO role. I'm proud of what's been achieved and grateful for the commitment of the many colleagues who accomplished it. The actions we have completed create a foundation for a more strategically focused, flexible, and efficient organization to support future growth. Ed has been heavily involved in the development of our strategies and initiatives. I look forward to continuing to guide and support management as I remain on the board. I want to close my remarks with two thank yous. First, I want to thank Jane Thompson, who has served with distinction on the board for more than a decade and has chosen not to seek re-election this year. She's been an asset to me and to the rest of the board and the management team. We thank her for her many contributions to Navient. Second, I want to thank my Navient colleagues, many of whom are also shareholders, for their tireless dedication to serving our business while also managing a significant amount of change. With that, I'll turn it over to Ed for his remarks. Thank you, Dave. I'd like to take a moment to acknowledge David's leadership as CEO over the past three years as he guided the company through very significant strategic change. I'm grateful for his dedication to the transformation initiatives. I'm looking forward to continuing to work together on the board. As the success of our strategic initiatives show, we know how to set ambitious goals and to achieve meaningful results. The team and I are focused on our 2026 priorities. We thank David for his continuing dedication to the company. I will now turn it back over to Elizabeth to lead the business part of today's meeting. Thank you, Ed. This meeting is now officially called to order. I will conduct the meeting according to the agenda and ask that you follow the rules of conduct, which are posted on the web portal. Please be reminded that all shareholders and their proxy holders must register through the web portal. This meeting is virtual via webcast. 24 hours after the completion of the meeting, a playback of this webcast will be available at www.virtualshareholdermeeting.com/navi2026. All other recordings of this meeting are strictly prohibited. Only shareholders of record or their proxy holders may ask questions. While the views and comments of all shareholders are welcome, questions must pertain to items on the agenda. Thank you for your cooperation. At this time, I would like to introduce the members of our executive management team and our Investor Relations Officer, all of whom are attending today. Steve Hauber, Chief Financial Officer, Matt Sheldon, General Counsel, Troy Standish, Chief Operating Officer, Deanna Coloe, Chief Audit Officer, and Jennifer Earyes, Head of Investor Relations. I would like to introduce Mr. Ken Frank, who is in attendance today as our Independent Inspector of Elections. Mr. Frank has confirmed that he has taken the oath to act as the Inspector of Elections for today's meeting. I will introduce the nominees for election to the board. Each nominee named in our proxy statement and standing for election to the board is participating today. They are Ed Bramson, Frederick Arnold, Anna Escobedo Cabral, Larry Klane, Michael Lawson, and David Yowan. Joining us today is Richard Wheeler of KPMG LLP, the company's independent registered public accounting firm for 2026. He will be available during the question and answer session to respond to appropriate questions. The board of directors set April 6, 2026, as the record date for this annual meeting. All shareholders of record on that date are entitled to vote. We have a list of those shareholders available for inspection upon request. The list is also posted on the meeting portal and is accessible once shareholders have registered. The company prepared its proxy statement, which explains the items to be voted on at this meeting, mailed its notice and proxy statement, including this information, on or about April 16, 2026, to all holders of the company's common stock as of the record date. In addition, at least the majority of the shares of the company's issued and outstanding common stock entitled to vote is represented in person or by proxy at today's meeting. I will now turn the meeting over to Ed Bramson, Chair of the Board of Directors. Thank you, Elizabeth. On the basis of the Corporate Secretary's report, I recognize the presence of a quorum for this meeting. There are four proposals for shareholders' consideration. The first proposal is the election to the board of directors of the nominees identified in the proxy statement. The company did not receive any other nominations. The second proposal is the ratification of the appointment of KPMG LLP as the company's independent registered public accounting firm for 2026. The third proposal is the non-binding advisory vote to approve the named executive officer's compensation. The fourth proposal is a non-binding advisory vote on the frequency of shareholder approval of executive compensation. We have placed these four proposals before the shareholders for their vote. Most of you have already voted by internet, mail, or phone. If you have not already voted and wish to do so now, or if you wish to change your vote, you may do so now by clicking on the voting button on the web portal and following the instructions there. Shareholders who have sent proxies or who have already voted and do not want to change their vote do not need to take any further action. The floor is now open for questions from shareholders concerning the proposals. Questions or comments are limited only to the matters being voted upon. You may submit a question by entering it in the space provided in the meeting portal. If there are any questions on these proposals, you may submit them through the meeting portal at this time. No questions relating to the proposals at hand have been posed at this time, and there are no other votes to collect, I declare the polls closed. Ms. Han, would you present the preliminary report of the voting results? Mr. Chair, the Inspector of Elections has delivered to me his report. Any ballots properly voted prior to the closing of the polls, but not included in this preliminary report, will be reflected in my final report. We will report the final vote results in a Form 8-K, which will be filed with the SEC within four business days. For the election of each of the six individuals whose names appear on the ballot as director, all of the nominees received more votes cast for than against his or her election to the board. Accordingly, each individual has been elected as a director. For the proposal to ratify the appointment of KPMG LLP to serve as the company's independent registered public accounting firm for 2026, a majority of the shares of common stock present or represented at the meeting and voting affirmatively or negatively on the proposal, voted for the proposal. Accordingly, this proposal has been approved by the required number of votes. For the non-binding proposal to approve named executive officer compensation, a majority of the shares of common stock present or represented at the meeting and voting affirmatively or negatively on the proposal, voted for the proposal. Accordingly, this proposal has been approved by the required number of votes. Finally, for the non-binding advisory vote on the frequency of shareholder approval of executive compensation, a majority of the shares of common stock present or represented at the meeting voted every one year. Accordingly, this proposal has been approved by the required number of votes. Thank you, Ms. Han. On behalf of the board, thank you to our shareholders for electing the board to serve you for another year. This concludes Navient Corporation's 2026 Annual Meeting of Shareholders. Thank you for attending the meeting. The conference is now concluded. Thank you for attending today's presentation, and you may now disconnect.