Hagerty, Inc.

Greetings. Welcome to the Hagerty Full Year 2021 Earnings Call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note, this conference is being recorded. A short video will be played through the webcast, followed by prepared remarks from Hagerty.

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Good afternoon, ladies and gentlemen. Thank you for joining us on Hagerty's fourth quarter and full year 2021 earnings conference call. Please note that this call will be simultaneously broadcast on the investor relations section of the company's corporate website at investor.hagerty.com. Our first shareholder letter covering this period is also posted on the IR website. Joining the call today are McKeel Hagerty, Chief Executive Officer, and Fred Turcotte, Chief Financial Officer. Before we start, I would like to remind you that the discussion today may contain statements related to our business that may be considered forward-looking, including statements concerning our expected future business and financial performance, our ability to maintain existing and acquire new members, our plans to expand market share, including planned investments and partnerships, expectations regarding key operational metrics, and other statements regarding our plans and prospects. Forward-looking statements are often identifiable, words such as we expect, we anticipate, we believe, or similar expressions. These statements reflect our view only as of today, March 24, 2022, and should not be considered our views as of any subsequent date. We do not undertake any obligation to update or revise any forward-looking statements. Forward-looking statements are not promises or guarantees of future performance and are subject to a variety of risks and uncertainties that could cause the actual results to differ materially from our expectations. For discussion of material risks and other important factors that could affect our actual results, please refer to those contained in our Form 10-K file with the SEC this evening which is available on the investor relations section of our website and on the SEC's website at sec.gov. Finally, during today's call, we will refer to certain non-GAAP financial measures.