Enact Holdings, Inc.

Hello, and welcome to NAC's fourth quarter earnings call. Please be advised that today's conference call is being recorded. I would now like to hand the conference over to your first speaker today, Daniel Cole, Vice President of Investor Relations. You may begin.

Thank you, and good morning, everyone.

Welcome to our fourth quarter earnings call. Joining me today are Rohit Gupta, President and Chief Executive Officer, and Dean Mitchell, Chief Financial Officer and Treasurer. Rohit will provide an overview of our business, our performance, and progress against our strategy. Dean will then discuss the details of our fourth quarter results before turning the call back to Rohit for some closing remarks. After prepared remarks, we will take your questions. The press release we issued after market closed yesterday contains Enact's financial results for the fourth quarter of 2021. This release and a comprehensive set of financial and operational metrics are available on the investor relations section of the company's website at www.ir.enactmi.com under the section marked quarterly results. Before we begin, I would like to remind everyone that today's call is being recorded and will include the use of forward-looking statements. These statements are based on current assumptions, estimates, expectations, and projections as of today's date that are subject to risks and uncertainties, which may cause actual results to differ materially. We undertake no obligation to update or revise any such statements as a result of new information, future events, or otherwise. For a discussion of these risks and uncertainties, please review the cautionary language regarding forward-looking statements in today's press release, as well as in our filings with the SEC, which are also available on our website. Also, please keep in mind the press release, the quarterly financial supplement, and management's prepared remarks today include certain non-GAAP measures. Reconciliations of these measures to the most relevant GAAP metrics can be found in the press release, our investor presentation, and our upcoming SEC filing on our website. With that, I'll turn the call over to Rohit.