Brett Scheiner | Investor Relations Officer |
Ignacio Alvarez | President, Chief Executive Officer |
Carlos Vazquez | Chief Financial Officer, Executive Vice President |
Lidio Soriano | Executive Vice President, Chief Risk Officer |
Jorge Garcia | Senior Vice President, Principal Accounting Officer & Corporate Comptroller |
Alex Twerdahl | Sandler O'Neill |
Ken Zerbe | Morgan Stanley |
Gerard Cassidy | RBC |
Brett Rabatin | Piper Jaffray |
Jordan Hymowitz | Philadelphia Financial |
Joe Gladue | Merion Capital Group |
Matthew Keating | Barclays |
Jesus Bueno | Compass Point |
Glen Manna | KBW |
Josh Stirling | Off Wall Street |
Good day and welcome to the Popular third quarter earnings 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].