Operator Good morning, my name is Chuck and I'll be your conference operator today. At this time, I would like to welcome everyone to the UFG Insurance fourth quarter and year-end 2020 financial results conference call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the call over to Randy Patten, Assistant Vice President and Controller. Please go ahead, sir. Randy Patten -- Assistant Vice President and Controller Good morning, everyone, and thank you for joining this call. Earlier today, we issued a news release on the results. To find a copy of this document, please visit our website at ufginsurance.com. Press releases and slides are located under the Investor Relations tab. Our speakers today are Chief Executive Officer, Randy Ramlo; Mike Wilkins, Chief Operating Officer; and Dawn Jaffray, Chief Financial Officer.