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.
Operator
Greetings and welcome to the Cherry Hill Mortgage Investment Corporation Fourth Quarter and Full Year 2020 Earnings Conference Call. [Operator Instructions
It is now my pleasure to introduce your host, Rory Rumore. Thank you, Rory. You may begin.
Rory Rumore
Vice President, Investor Relations
We d like to thank you for joining us today for Cherry Hill Mortgage Investment Corporation s fourth quarter and full year 2020 conference call. In addition to this call, we have filed a press release that was distributed earlier this afternoon and posted to the Investor Relations section of our website, at www.chmireit.com.
On today s call, management s prepared remarks and answers to your questions may contain forward-looking statements that are subject to risks and uncertainties that could cause actual results to differ from those discussed today. Examples of forward-looking statements, include those related to interest income, financial guidance, IRRs; future expected cash
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