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Operator Good morning, and welcome to the Santander Consumer USA Holdings First Quarter 2021 Earnings Call. [Operator instructions] It is now my pleasure to introduce your host, Evan Black, Head of Investor Relations. Evan, the floor is yours. Evan Black Head of Investor Relations Thank you, Lisa. Good morning, everyone, and thanks for joining our call today. We have on the call our CEO, Mahesh Aditya; and our CFO, Fahmi Karam. Certain statements made on today s call will be forward-looking. Please refer to our public SEC filings and Risk Factors with respect to these statements. We ll also reference some non-GAAP financial measures that we believe will be useful to our investors and a reconciliation of those measures to GAAP was included in the 8-K that we issued earlier this morning.

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