Banco Bradesco Sa American Depositary Shares

Good morning, ladies and gentlemen, and thank you for waiting. We would like to welcome everyone to Bradesco's 4th Quarter 2019 Earnings Conference Call. This call is being broadcasted simultaneously through the Internet in the Investor Relations website, banco.bradesco.com. In that address, you can also find the presentation available for download. We inform that all participants will only be able to listen to the conference call during the company's presentation. After the presentation, there will be a question and answer session when further instructions will be given. Should any participant need assistance during this call, please press star zero to reach the operator. Before proceeding, let me mention that forward-looking statements are based on the beliefs and assumptions of Banco Bradesco's management and on information currently available to the company. They involve risks, uncertainties, and assumptions because they relate to the future events and therefore depend on circumstances that may or may not occur in the future. Investors should understand that general economic conditions industry conditions and other operating factors could also affect the future results of Banco Bradesco and could cause results to differ materially from those expressed in such forward-looking statements. Now, I'll turn the conference over to Mr. Carlos Firet, Market Relations Director and Head of IR.

Hi, everyone.

Welcome to our conference call for discussions of our fourth quarter 19 results, and also the discussion of our guidance for 2020. We have today with us our CEO, Mr. Otávio de Lazari, our CFO and Executive Vice President, André Cano, Vinicius Albernaz, Chief Executive Officer of Bradesco Seguros, and our Executive Director and Investor Relations Officer, First part of the presentation, I turn the floor to Leandro.