Root, Inc.

Ladies and gentlemen, thank you for standing by and welcome to the Root, Inc. 4Q 2022 Earnings Conference Call. I would now like to turn the call over to Jody Baker, Corporate Secretary.

Please go ahead.

Good morning, and thank you for joining us today. Root is hosting this call to discuss its fourth quarter 2022 earnings results. Participating on today's call are Alex Tim, Co-Founder and Chief Executive Officer, and Rob Bateman, Chief Financial Officer. During the question and answer portion of the call, our presenters will be joined by Dan Rosenthal, Chief Revenue and Operating Officer, Matt Benactepor, Chief Technology Officer, and Frank Palmer, Chief Insurance Officer. Last evening, Root issued a shareholder letter announcing its financial results. While this call will reflect items discussed within that document, for more complete information about our financial performance, we also encourage you to read our 2022 Form 10-K, which was filed with the Securities and Exchange Commission last evening. Before we begin, I want to remind you that matters discussed on today's call will include forward-looking statements related to our operating performance, financial goals, and business outlook, which are based on management's current beliefs and assumptions. Please note that these forward-looking statements reflect our opinions as of the date of this call and we undertake no obligation to revise this information as a result of new developments that may occur. Forward-looking statements are subject to various risks, uncertainties, and other factors that could cause our actual results to differ materially from those expected and described today. In addition, we are subject to a number of risks that may significantly impact our business and financial results. For a more detailed description of our risk factors, please review our Form 10-K for the year ended December 31, 2022, where you will see a discussion of factors that could cause the company's actual results to differ materially from these statements, as well as our shareholder letter released last evening. A replay of this conference call will be available on our website under the investor relations section. I would also like to remind you that during the call, we will discuss some non-GAAP measures while talking about Roots performance. You can find reconciliations of those historical measures to the nearest comparable GAAP measures in our shareholder letter released last evening and our Form 10-K, filed with the SEC, which are posted on our website at ir.joinroot.com. I will now turn the call over to Alex Timm, Root's co-founder and CEO.