...Operator Good morning, everyone. And welcome to BanBajio's First Quarter 2020 Earnings Conference Call. My name is Leo, and I will be your conference operator today. Yesterday, BanBajio issued its MD&A report and presentation. For a copy of the report or the webcast presentation that accompanies this call, please do not hesitate to contact us in New York City at area code (212) 406-3692. Before we begin the call today, I would like to remind you that forward-looking statements made during today's conference call do not account for future economic circumstances, industry conditions, company performance and financial results. These statements are subject to a number of risks and uncertainties. Joining us today from BanBajio is Mr. Carlos De la Cerda, Executive Vice President of the Board of Directors; Mr. Edgardo del Rincon, Chief Executive Officer; Mr. Joaquin Dominguez, Chief Financial Officer; and Mr. Alberto Guajardo, Investor Relations Officer. And now I would like to turn the call to...