Operator Ladies and gentlemen, thank you for standing by. Welcome to the Chimera Investment Corporation fourth-quarter and fiscal year-end 2020 earnings conference call and webcast. [Operator instructions] It is now my pleasure to turn the floor over to Victor Falvo, head of capital markets, to begin. Victor Falvo -- Head of Capital Markets Thank you, Laurie, and thank you, everyone for participating in Chimera's fourth-quarter earnings conference call. Before we begin, I'd like to review the safe harbor statements. During this call, we will be making forward-looking statements, which are predictions, projections or other statements about future events. These statements are based upon current expectations and assumptions that are subject to risks and uncertainties, which are outlined in the risk factors section in our most recent annual and quarterly SEC filings.