...Operator Good morning, everyone, and welcome to Banbajio's Fourth Quarter 2020 Earnings Conference Call. My name is Nkiki, and I will be your conference operator today. Yesterday, Banbajio issued its quarterly report. For a copy of the earnings report or the webcast presentation that accompanies this call, please do not hesitate to contact us in New York City at (212) 406-3692. Before we begin the call today, I would like to remind you that forward-looking statements made during today's conference 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 BanBajfo is Mr. Edgardo del Rinc=n, Chief Executive Officer; Mr. Joaqufn Domfnguez, Chief Financial Officer; and Mr. Luis Quiroz, Investor Officer. And now I will turn the call to Mr. Quiroz. Sir, please begin. Luis Manuel Quiroz Hernandez ...