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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 CF...

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 e...

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 Inv...