Evan Black | Vice President of Investor Relations |
Scott Powell | President and Chief Executive Officer |
Juan Carlos | Chief Financial Officer |
Steven Kwok | KBW |
Jack Micenko | SIG |
Moshe Orenbuch | Crédit Suisse |
John Hecht | Jefferies |
Rick Shane | JP Morgan. |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
Arren Cyganovich | Citi |
Chris Donat | Sandler O’Neill |
Vincent Caintic | Stephens |
Good morning, and welcome to the Santander Consumer USA Holdings First Quarter 2019 Earnings Conference Call. [Operator Instructions] It is now my pleasure to introduce your host, Evan Black, Vice President of Investor Relations. Evan, the floor is yours.
Thanks Luke. Good morning and thank you for joining the call everyone.