Operator Good morning, ladies and gentlemen, and welcome to the Altisource Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to your host, Michelle Esterman. Michelle D. Esterman -- Thank you, operator. We first want to remind you that the earnings release, Form 10-K and quarterly slides are available on our website at www.altisource.com. These provide additional information investors may find useful. Our remarks today include forward-looking statements, which involve a number of risks and uncertainties that could cause actual results to differ. In addition to the usual uncertainty associated with forward-looking statements, the current COVID-19 pandemic makes it extremely difficult to predict the future state of the economy and its potential impact on Altisource. The inherent uncertainty of the impact of future events on Altisource is also impacted by the timing and extent of Ocwen or NRZ directing referrals of services to providers other than Altisource.