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Operator Good day and welcome to the Chubb Limited Fourth Quarter Year End 2020 Earnings Call. Today s conference is being recorded. [Operator Instructions] And now for opening remarks and introductions, I would like to turn the call over to Ms. Karen Beyer, Senior Vice President of Investor Relations. Please go ahead. Karen Beyer Senior Vice President, Investor Relations Thank you. Welcome everyone to our December 31st, 2020 fourth quarter and year-end earnings conference call. Our report today will contain forward-looking statements, including statements relating to company performance, pricing and business mix and economic and market condition, which are subject to risks and uncertainties and actual results may differ materially. Please see our recent SEC filings, earnings release and financial supplement, which are available on our website at investors.chubb.com for more information on factors that could affect these matters.

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