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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 al...

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 forwar...