Evan Black | Head of IR |
Mahesh Aditya | CEO |
Fahmi Karam | CFO |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Rick Shane | JP Morgan |
David Scharf, | JMP securities |
Steven Kwok | KBW |
Mark DeVries | Barclays |
Kevin Barker | Piper Sandler |
Vincent Caintic | Stephens |
Rob Wildhack | Autonomous Research. |
Good morning and welcome to the Santander Consumer USA Holdings First Quarter 2021 Earnings Call. At this time all party parties have been placed in 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, Head of Investor Relations.