John Pelling | IR Officer |
Aurelio Alemán | CEO & President |
Orlando Berges | EVP & CFO |
Brett Rabatin | Piper Jaffray Companies |
Alexander Twerdahl | Sandler O'Neill + Partners |
Arren Cyganovich | Citigroup |
Joseph Gladue | Merion Capital Group |
Glen Manna | KBW |
Jordan Hymowitz | Philadelphia Financial |
Good day, and welcome to the First Bancorp's Fourth Quarter 2017 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Mr. John Pelling, Investor Relations Officer.