Evan Black | Vice President of Investor Relations |
Scott Powell | President and Chief Executive Officer |
Juan Carlos | Chief Financial Officer |
John Hecht | Jefferies |
Vincent Caintic | Stephens |
Rick Shane | JPMorgan |
Moshe Orenbuch | Crédit Suisse |
Betsy Graseck | Morgan Stanley |
Geoffrey Elliott | Autonomous Research |
Eric Wasserstrom | UBS |
Chris Donat | Sandler O'Neill |
Kevin Barker | Piper Jaffray |
Jack Micenko | SIG |
David Scharf | JMP Securities |
Mark DeVries | Barclays |
Steven Kwok | KBW |
James Fotheringham | Bank of Montreal |
Michael Tarkan | Compass Point |
Arren Cyganovich | Citi |
Good morning, and welcome to the Santander Consumer USA Holdings First Quarter 2018 Earnings Conference Call. [Operator Instructions] It is now my pleasure to introduce your host, Evan Black, Vice President of Investor Relations. Evan, the floor is yours.
Good morning, everyone, and thanks for joining the call today.
On the call, we have Scott Powell, President and Chief Executive Officer; and JC, Chief Financial Officer.