John Pelling | Investor Relations |
Aurelio Aleman | President and Chief Executive Officer |
Orlando Berges | Executive Vice President and Chief Financial Officer |
Ebrahim Poonawala | Bank of America |
Alex Twerdahl | Sandler O'Neill |
Brett Rabatin | Piper Jaffray |
Glen Manna | KBW |
Arren Cyganovich | Citi |
Good morning and welcome to the First BanCorp's Fourth Quarter 2018 Results Conference Call. 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 John Pelling, Investor Relations Officer.