Karen Beyer | SVP, IR |
Evan Greenberg | Chairman and CEO |
Phil Bancroft | CFO |
Michael Phillips | Morgan Stanley |
David Motemaden | Evercore ISI |
Elyse Greenspan | Wells Fargo |
Brian Meredith | UBS |
Tracy Benguigui | Barclays |
Meyer Shields | KBW |
Good day, and welcome to the Chubb Limited Fourth Quarter Year-end 2020 Earnings Call. Today's conference is being recorded. [Operator Instructions] And now, for opening remarks and introductions, I would like to turn the call over to Ms. Karen Beyer, Senior Vice President of Investor Relations. Please go ahead.