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Operator Good morning, and welcome to the Popular, Inc. First Quarter 2021 Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to Paul Cardillo, Investor Relations Officer of Popular. Please go ahead. Paul J. Cardillo IR Officer Good morning, and thank you for joining us. With us on the call today is our CEO, Ignacio Alvarez; our Chief Financial Officer, Carlos Vazquez; and our CRO, Lidio Soriano. They will review our results for the first quarter and then answer your questions. Other members of our management team will also be available during the Q&A session. Before we start, I would like to remind you that on today s call, we may make forward-looking statements that are based on management s current expectations and are subject to risks and uncertainties. Factors that could cause actual results to differ materially from these forward-looking statements are set forth within today s earnings press release and are d ....