John Pelling | Investor Relation Officer |
Aurelio Alemán | President and Chief Executive Officer |
Orlando Berges | Executive Vice President and Chief Financial Officer |
Chris Nardone | Bank of America |
Alex Twerdahl | Piper Sandler |
Glen Manna | KBW |
Good day and welcome to the First BanCorp Fourth Quarter and Full Year 2020 Earnings Conference Call. All participants will be in listen-only mode. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to John Pelling, Investor Relation Officer.