Evan Black | VP, IR |
Scott Powell | President and CEO |
Juan Carlos Alvarez de Soto | CFO |
Jack Micenko | Susquehanna |
Moshe Orenbuch | Credit Suisse |
John Hecht | Jefferies |
Mark DeVries | Barclays |
Eric Wasserstrom | UBS |
Steven Kwok | KBW |
Christopher Donat | Sandler O’Neil. |
John Rowan | Janney Montgomery Scott |
Richard Shane | JPMorgan |
Betsy Graseck | Morgan Stanley |
Arren Cyganovich | Citi |
Vincent Caintic | Stephens |
Jeffrey Elliot | Autonomous Research |
Kevin Barker | Piper Jaffray |
Good morning, and welcome to the Santander Consumer USA Holdings Fourth Quarter 2018 Earnings Conference Call. At this time, all parties have been placed into a 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.