Operator Welcome to American Equity Investment Life Holding Company Fourth Quarter 2020 Conference Call. At this time, for opening remarks and introductions I'll turn the call over to Julie LaFollette, Director of Investor Relations. Julie LaFollette -- Director of Investor Relations Good morning and welcome to American Equity Investment Life Holding Company's conference call to discuss fourth quarter 2020 earnings. Our earnings release and financial supplement can be found on our website at www.american-equity.com. Non-GAAP financial measures discussed on today's call and reconciliations of non-GAAP financial measures to the most comparable GAAP measures can be found in those documents. Presenting on today's call are Anant Bhalla, Chief Executive Officer; Jim Hamalainen, Chief Investment Officer of Insurance; and Ted Johnson, Chief Financial Officer. Some of the comments made during this call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act. There are a number of risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Factors that could cause the actual results to differ materially are discussed in detail in our most recent filings with the SEC. An audio replay will be made available on our website shortly after today's call.