Santander Consumer USA Holdings Inc (SC) Q4 2020 Earnings Call Transcript
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...
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