Operator
Welcome to the Synchrony Financial Fourth Quarter 2020 Earnings Conference Call. My name is Vanessa, and I will be your operator for today s call. [Operator Instructions] Please note that this conference is being recorded. I will now turn the call over to Kathryn Miller, Senior Vice President, Director of Investor Relations. You may begin.
Kathryn Miller
Senior Vice President, Director of Investor Relations
Thank you, and good morning, everyone. Welcome to our quarterly earnings conference call. In addition to today s press release, we have provided a presentation that covers the topics we plan to address during our call. The press release, detailed financial schedules and presentation are available on our website, synchronyfinancial.com. This information can be accessed by going to the Investor Relations section of the website. Before we get started, I wanted to remind you that our comments today will include forward-looking statements. These statements are subject t