Jennifer Childe | Vice President, Investor Relations |
Gary Bhojwani | Chief Executive Officer |
Paul McDonough | Chief Financial Officer |
Ryan Krueger | KBW |
John Barnidge | Piper Sandler |
Erik Bass | Autonomous Research |
Humphrey Lee | Dowling & Partners |
Randy Binner | B. Riley Securities |
John Barnidge | Piper Sandler |
Ladies and gentlemen, thank you for standing by and welcome to the CNO Financial Group Fourth Quarter 2020 Earnings Call. At this time all participants are in a listen-only mode. After the speaker’s presentation, there will be a question-and-answer session. [Operator Instructions]. I would now like to hand the conference over to your speaker today, Jennifer Childe, Vice President of Investor Relations.