Operator Good morning and welcome to the First Bancorp First Quarter 2021 Results Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to John Pelling, IR Officer. Please go ahead. John Pelling -- Investor Relations Officer Thank you, Betsy. Good morning, everyone. And thank you for joining First Bancorp's conference call and webcast to discuss the company's financial results for the first quarter 2021. Joining you today from First Bancorp are Aurelio Aleman, President and Chief Executive Officer; and Orlando Berges, ...