January 29, 2021
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 Maes Fourth Quarter 2020 Ear...