Evan Black | Vice President of Investor Relations |
Scott Powell | President & Chief Executive Officer |
J.C. Alvarez | Chief Financial Officer |
Jack Micenko | SIG |
John Hecht | Jefferies |
Mark DeVries | Barclays |
Steven Kwok | KBW |
Moshe Orenbuch | Credit Suisse |
David Scharf | JMP Securities |
Rick Shane | JPMorgan |
Chris Donat | Sandler O’Neill |
Vincent Caintic | Stephens |
Arren Cyganovich | Citi |
Betsy Graseck | Morgan Stanley |
Good morning and welcome to the Santander Consumer USA Holdings Second Quarter 2019 Earnings Conference Call. At this time, all parties have been placed into a listen-only mode. And following today's presentation, the call will be opened for your questions. [Operator Instructions]
It is now my pleasure to introduce your host Evan Black, Vice President of Investor Relations.