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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 Investor Relations website, investorrelations.discover.com. ....

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