|Tim Owens||Vice President, Investor Relations|
|Tom McInerney||President & Chief Executive Officer|
|Dan Sheehan||Chief Investment Officer|
|Kevin Snyder||Chief Operating Officer|
|Sean Perkins||Waterfall Asset Management|
|Geoffrey Dunn||Dowling & Partners|
|Howard Amster||Amster Trading|
Good morning ladies and gentlemen, and welcome to the Genworth Financial's Third Quarter 2020 Earnings Conference Call. My name is Jennifer and I will be your coordinator today. At this time, all participants are in a listen-only mode.
We will facilitate a question-and-answer session towards the end of this conference call.
As a reminder, the conference is being recorded for replay purposes [Operator Instructions] I would now like to turn the presentation over to Tim Owens, Vice President of Investor Relations, Mr.