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Operator
Ladies and gentlemen, thank you for standing by. Welcome to the Sapiens International Corporation Fourth Quarter and Full Year 2020 Results Conference Call. [Operator Instructions] As a reminder, this conference is being recorded February 25, 2021.
It is now my pleasure to introduce your host, Ms. Daphna Golden, Sapiens VP and Head of Investor Relations. Thank you. Ms. Golden, you may now begin.
Daphna Golden
Vice President, Head of Investor Relations
Thank you, and good day, everyone. First, let me start by saying that I m excited to have joined Sapiens. I look forward to meeting with you all, and hopefully, we will be able to meet face-to-face soon. Our earnings release was issued before the market opened this morning, and it has been posted on the company s website at www.sapiens.com. Representing Sapiens today are Roni Al-Dor, President and CEO; and Roni Giladi, our CFO. ....

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