Evan Black | Head, Investor Relations |
Mahesh Aditya | President and Chief Executive Officer |
Fahmi Karam | Chief Financial Officer |
Betsy Graseck | Morgan Stanley |
Steven Kwok | KBW |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JPMorgan |
Rob Wildhack | Autonomous Research |
Good morning and welcome to the Santander Consumer USA Holdings Third Quarter 2020 Earnings Conference Call. At this time, all parties have been placed into a 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.