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Operator I would now like to turn the conference over to Phil Creek. Please go ahead. Phillip G. Creek Executive Vice President, Chief Financial Officer Thanks for joining us today. On the call is Bob Schottenstein, our CEO and President; Tom Mason, EVP; Derek Klutch, President of our Mortgage Company; Ann Marie Hunker, VP, Corporate Controller; and Kevin Hake, Senior VP. First, to address Regulation Fair Disclosure, we encourage you to ask any questions regarding issues that you consider material during this call because we are prohibited from discussing significant nonpublic items with you directly. And as to forward-looking statements, I want to remind everyone that the cautionary language about forward-looking statements contained in today s press release also applies to any comments made during this call, including comments related to COVID-19. Also, be advised that the company undertakes no obligation to update any forward-looking statements made during this call.

United statesSan antonioNorthern regionDerek klutchAlan ratner zelmanAlan ratnerBob schottensteinTom masonRoberth schottensteinDerekj klutchZelman associatesAssociates analystMi homes incMortgage companyHomes incHomes fourth quarter earnings conference