Evan Black | Vice President-Investor Relations |
Scott Powell | President and Chief Executive Officer |
Juan Carlos | Chief Financial Officer |
Chris Donat | Sandler O'Neill |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
Jack Micenko | SIG |
Eric Wasserstrom | UBS |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
David Scharf | JMP Securities |
John Rowan | Janney |
Geoffrey Elliott | Autonomous Research |
Steven Kwok | KBW |
Kevin Barker | Piper Jaffray |
Good morning, and welcome to the Santander Consumer USA Holdings Second Quarter 2018 Earnings Conference Call. At this time, all parties have been placed into listen-only mode.
Following today’s presentation, the floor will be open for your questions. [Operator Instructions] It is now my pleasure to introduce your host, Evan Black, Vice President of Investor Relations. Evan, the floor is yours.