...Operator Good morning, everyone, and welcome to Banco del Bajio's Fourth Quarter 2021 Results Conference Call. My name is Samina, and I will be your coordinator today. (Operator Instructions) 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/or 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 Chairman of the Board of Directors; Mr. Edgardo del Rincon, Chief Executive Officer; Mr. Joaquin Dominguez, Chief Financial Officer; and Mr. Luis Quiroz, Investor Relations Officer. As a reminder, this video conference is being recorded. For opening remarks and introductions, I would now like to turn the call over to Mr. Luis Quiroz. Mr. Quiroz, you may begin. Luis Manuel Quiroz Hernandez ...