Evan Black | Head of Investor Relations |
Mahesh Aditya | President & Chief Executive Officer |
Fahmi Karam | Chief Financial Officer |
John Hecht | Jefferies |
Betsy Graseck | Morgan Stanley |
Moshe Orenbuch | Credit Suisse |
Rick Shane | JP Morgan |
Rob Wildhack | Autonomous Research |
Good morning, ladies and gentlemen and welcome to the Santander Consumer USA Holdings Second 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] Today's call is being recorded. At this time, it's my pleasure to introduce your host, Evan Black, Head of Investor Relations.