Vivek Garipalli | Chief Executive Officer |
Andrew Toy | President and Chief Technology Officer |
Joe Wagner | Chief Financial Officer |
Kevin Fischbeck | Bank of America |
Gary Taylor | JPMorgan |
Ralph Giacobbe | Citi |
Ladies and gentlemen, thank you for standing by and welcome to the Clover Health Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] As a reminder, today’s program may be recorded. And now I’d like to introduce your host for today’s program, Dylan Solomon [ph], please go ahead.