|Tim Owens||Vice President, Investor Relations|
|Tom McInerney||President and Chief Executive Officer|
|Dan Sheehan||Chief Financial Officer and Chief Investment Officer|
|Rohit Gupta||Chief Executive Officer, Genworth Mortgage Insurance|
|Geoffrey Dunn||Dowling & Partners|
|Howard Amster||Horizon Group|
Good morning, ladies and gentlemen and welcome to Genworth Financial’s Fourth Quarter 2020 Earnings Conference Call. My name is Lauren and I will be your coordinator today. [Operator Instructions] I would now like to turn the presentation over to Tim Owens, Vice President of Investor Relations. Mr. Owens, you may proceed.