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Operator Good afternoon, and welcome to the Redwood Trust Incorporated Fourth Quarter 2020 Financial Results Conference Call. [Operator Instructions] At the conclusion of the prepared remarks, there will be a question-and-answer session. [Operator Instructions] I will now turn the call over to Lisa Hartman, Redwood s Senior Vice President of Investor Relations. Please go ahead, ma am. Lisa Hartman Senior Vice President, Head of Investor Relations Thank you, Andrea. Hello, everyone, and thank you for joining us. With me on today s call are Chris Abate, Redwood s Chief Executive Officer; Dash Robinson, Redwood s President; and Collin Cochrane, Redwood s Chief Financial Officer. Before we begin, I want to remind you that certain statements made during management s presentation with respect to future financial or business performance, may constitute forward-looking statements. Forward-looking statements are based on current expectations, forecasts and assumptions that involve ri

United statesLisa hartmanCollinl cochraneCollin cochraneDashielli robinsonYogi berraRedwood trust incorporated fourth quarterRedwood trust incResults conferenceSenior vice presidentVice presidentChris abateChief executive officerDash robinsonChief financialAnnual report