Ocwen Financial Corporation NEW

Good morning, ladies and gentlemen, and welcome to the Aquin Financial Corporation fourth quarter earnings and business update conference call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question and answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. This call is being recorded on Tuesday, February 27, 2024. I would now like to turn the conference over to Deco Exeralian, Senior Vice President, Corporate Communications. Please go ahead.

Good morning, and thank you for joining us for Hawkins' fourth quarter and full year 2023 earnings call. Please note that our earnings release and slide presentation are available on our website. Speaking on the call will be Hawkins Chair and Chief Executive Officer Glenn Messina and Chief Financial Officer Sean O'Neill. As a reminder, the presentation or comments today may contain forward-looking statements made pursuant to the safe harbor provisions of the federal securities laws. These forward-looking statements may be identified by reference to a future period or by use of forward-looking terminology and address matters that are to different degrees uncertain. You should bear this uncertainty in mind and should not place undue reliance on such statements. Forward-looking statements speak only as the date they are made and involve assumptions, risks, and uncertainties, including those described in our SEC filings. In the past, actual results have differed materially from those suggested by forward-looking statements, and this may happen again. In addition, the presentation and our comments contain references to non-GAAP financial measures, such as adjusted pre-tax income, among others. We believe these non-GAAP financial measures provide a useful supplement to discussions and analysis of our financial condition because they are measures that management uses to assess the financial performance of our operations and allocate resources. Non-GAAP financial measures should be viewed in addition to and not as an alternative for the company's reported GAAP results. The reconciliation of non-GAAP measures used in this presentation to their most directly comparable GAAP measures and management's view on why these measures may be useful to investors may be found in the press release in the appendix to the investor presentation. Now, I will turn the call over to Glenn Messina.

Thanks, Deco. Good morning, and thanks for joining our call. Today, we'll review a few highlights for the fourth quarter and the full year, and take you through our actions to address the market environment and deliver long-term value for our shareholders.