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 |
Ryan Krueger | KBW |
Joshua Esterov | CreditSights |
Ryan Gilbert | BTIG |
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.