Operator Good morning, ladies and gentlemen, and welcome to Brighthouse Financial's Fourth Quarter 2020 Earnings Conference Call. My name is Josh and I will be your coordinator today. [Operator Instructions] I would now like to turn the presentation over to David Rosenbaum, Head of Investor Relations. Mr. Rosenbaum, you may proceed. David Rosenbaum -- Head of Investor Relations Good morning, and thank you for joining Brighthouse Financial's fourth quarter and full year 2020 earnings call. Our earnings release, slide presentation and financial supplement were released last night and can be accessed on the Investor Relations section of our website at brighthousefinancial.com. We encourage you to review all of these materials.