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 first quarter 2020 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 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 Piret, Market Relations Director.

Hello, everybody.

Welcome to our conference call for discussing our first quarter 2020 results. We have today with us our CEO, Otavio de Ladari, Jr., our CFO, André Rodrigues Cano, the CEO of Bradesco Seguros Group, Vinicius Aldenar, and our Executive Director and IRO, Leandro Miranda. After the presentation, we will run a question and answer session where you're going to be able to post your questions. Now, I turn the presentation to Leandro.