Evan Black | Head of IR |
Mahesh Aditya | President & CEO |
Fahmi Karam | CFO |
Jack Micenko | SIG |
Moshe Orenbuch | Credit Suisse |
Mark DeVries | Barclays |
David Scharf | JMP Securities |
Jeff Adelson | Morgan Stanley |
Good morning, and welcome to the Santander Consumer USA Holdings First Quarter 2020 Earnings Conference Call. At this time, all parties have been placed into listen-only mode.
Following today's presentation, the floor will be opened for your questions. [Operator Instructions] It is now my pleasure to introduce your host, Evan Black, Head of Investor Relations. Evan, the floor is yours.