John Pelling | Investor Relations |
Aurelio Alemán | President & Chief Executive Officer |
Orlando Berges | Executive Vice President & Chief Financial Officer |
Brett Rabatin | Piper Jaffray |
Joseph Gladue | Merion Capital Group |
Arren Cyganovich | Citigroup |
Glen Manna | Keefe, Bruyette & Woods |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Alex Twerdahl | Sandler O’Neill |
Good day, and welcome to the First BanCorp's Third Quarter 2018 Results Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] 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 Mr.