Crawford & Company

I'd like to welcome everyone to the Crawford and Company fourth quarter 2020 earnings release conference call.

In conjunction with this call, a supplementary financial presentation is available on our website at www. After the speaker's remarks, there will be a question and answer period. Instructions will follow at that time. Should anyone need assistance at any time during the conference is being recorded today, Friday, March 5th, 2020. Other things, the impacts of COVID-19 are expected future operating results. and financial condition, our ability to grow our revenues and reduce our operating expenses, financial results from our recently completed acquisitions, our continued compliance with the financial and other covenants contained in these actual results, Achieved in future quarters could differ materially from the obligation to publicly release after the date of the call or to reflect the occurrence of unanticipated events.

regarding factors which could affect the company's financial performance, please refer to the company's Form 10-K for the quarter ended December 31, 2020, filed with the Securities and Exchange Commission, particularly the information under the headings Risk Factors and Management Discussion and Analysis of a Financial Condition and Results of Operations, as well as subsequent company filings with the SEC. This presentation also includes certain non-GAAP financial measures as defined under the SEC rules. As required, a reconciliation is provided for those measures to those most directly comparable GAAP measures. I would now like to introduce Mr. Rohit Verma, Chief Executive Officer of Crawford and Company. Rohit, you may begin your conference.