Page 7 - Fahmi Karam News Today : Breaking News, Live Updates & Top Stories | Vimarsana

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. ....

Morgan Stanley , Betsy Graseck , Rick Shane , Virnitia Hendricks , John Hecht Jefferies , Betsy Graseck Morgan Stanley , Rick Shane Jpmorgan , Fahmi Karam , Mark Devries Barclays , Mahesh Aditya , Msc Foundation , Santander Consumer United States Holdings Inc , Santander Bank , Santander Consumer United States Holdings Fourth Quarter , Federal Reserve , Devan Black , Chief Executive , Fiat Chrysler , Fair Credit Reporting Act , Santander Consumer , Total Chrysler , Chrysler Capital , Manheim Index , Chief Diversity Officer , Mark Devries , Moshe Orenbuch ,