 SLM Corporation NASDAQ:SLM Q3 2022 Earnings Conference Call October 27, 2022 8:00 AM ET Company Participants Brian Cronin - VP, IR Jon Witter - CEO Steve McGarry - EVP CFO Conference Call Participants Sanjay Sakhrani - KBW Rick Shane - JPMorgan Jeff Adelson - Morgan Stanley Moshe Orenbuch - Credit Suisse Operator Good day and welcome to the 2022 Third Quarter Sallie Mae Earnings Call. At this time, all participants are in a listen-only mode. 