Operator
Good morning, and welcome to the Santander Consumer USA Holdings Fourth Quarter and Full-Year 2020 Earnings Conference Call. [Operator Instructions] Following today s presentation, the floor will be open for your questions. [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
Thanks, Tracy. Good morning, everyone, and thanks for joining the call today. On the call, we have our CEO, Mahesh Aditya; and our CFO, Fahmi Karam.
During the call, we ll make some forward-looking statements. Please refer to our SEC filings and risk factors regarding those statements. We ll also reference some non-GAAP financial measures and a reconciliation of those measures to US GAAP was included in the earnings materials issued earlier this morning.
Operator
Ladies and gentlemen, thank you for standing by, and welcome to the Sallie Mae 2020 Q4 Earnings Call. [Operator Instructions] After the speakers presentation there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to Mr. Brian Cronin, Vice President of Investor Relations. Please go ahead, sir.
Brian J. Cronin
Vice President, Investor Relations
Thank you, Angel. Good morning, and welcome to Sallie Mae s Fourth Quarter 2020 Earnings Call. It is my pleasure to be here today with Jon Witter, our CEO; and Steve McGarry, our CFO. After the prepared remarks, we will open up the call for questions.
Operator
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2020 earnings call. [Operator instructions] As a reminder, today s call is being recorded. I would now like to turn the conference over to our host, head of investor relations, Ms.
Vivian Zhou. Please go ahead.
Vivian Zhou
Head of Investor Relations
Thank you, Alan, and thank you all for joining today s call. As a reminder, before we begin, today s discussion contains forward-looking statements about the company s future business and financial performance. These are based on management s current expectations and are subject to risks and uncertainties. Factors that could cause actual results to differ materially from these statements are included in today s presentation slides in our reports on file with the SEC.
Operator
Good morning. My name is Maria, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Fiscal Year 2020 Discover Financial Services Earnings Conference Call.
[Operator Instructions] Thank you. I will now turn the call over to Mr. Eric Wasserstrom, Head of Investor Relations. Please go ahead.
Eric Wasserstrom
Head of Investor Relations
Thank you, Maria, and good morning, everyone. Welcome to this morning s call. I ll begin on Slide 2 of our earnings presentation, which you can find in the Financials section of our Investor Relations website, investorrelations.discover.com.