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Thank you for standing by. This is the conference operator. Good morning and welcome to Qualitas' second quarter 2022 earnings results webcast. The conference will begin now. It is my pleasure to turn the call over to Ms. Andrea Gonzalez, Qualitas' IR manager.

Good morning and thank you for joining Qualitas' second quarter and first half 2022 earnings goals. I am Andrea Gonzalez, Qualitas' IR manager. Joining us today are our CEO, Jose Antonio Correa, and our CFO and international CEO, Bernardo Rizou, to walk you through our results and performance. As a reminder, information discussed on today's call may include forward-looking statements regarding qualitative results and prospects, which are subject to risk and uncertainty. Actual results may differ materially from what is discussed here today, and the company cautions you not to place undue reliance on these forward-looking statements. Qualitas Under takes no obligation to publicly update or revise any forward-looking statements, whether because of new information, future events, or otherwise. Let's turn it over to Jose Antonio, our CEO, for his remarks.

Thank you, Andrea. Good morning, everyone. Great to be with you all again. Well, I cannot think of a better way to illustrate the meaning of the VUCA, V-U-C-A word, than this first half of the year. It has been certainly volatile, uncertain, complex, and ambiguous. And this has been across many fronts. In this challenging environment, I feel good about the results we deliver growing within premiums and insured units while being profitable both in our underwriting and in our financial income. Our quarterly performance is within the range of our expectations, recognizing the high inflation, a continuous restricted supply of new car sales, and mobility above the pandemic levels, have impacted the industry and our own results, thus comparison versus strength past years, should not be taken as conclusive. The inflation we have seen in recent months has put higher pressure in our cost structure. While we continue to look for efficiencies, trying to not fully pass through to consumers, at least not immediately, we have been adjusting our targets. We did it in the first half, and we will do so again in the second. As I mentioned the last quarter, some of our competitors have lagged behind, using it as an opportunity to gain some volume at the expense of margin. This was confirmed on first quarter industry report, where small market share changes came along important increases on combined indexes, with some companies even above 100. We will remain competitive, but financially disciplined, and this is very important, as we strongly believe it's in the best interest of the industry and the investors. Let me mention again that underwriting results for Qualitas and for the industry follow a cyclical trend. We saw it after the 2008 crisis, the strong growth periods from 2010 to 2012. And we saw again a few years ago. Qualitas has navigated different stages of the cycle during 28 years of history. And while the nature of the crisis might be different, we know what to do. We will stay focused on service. and cost control, discipline on service adjustments, flexible and agile to react to consumer needs and market changes, and all decisions will consider short and long-term implications. I can assure you that by doing so, we will once again come out stronger. Managing this year's turmoil is not coming at the expense of our long-term plans and executing on our three-pillar strategy. On that regard, I am pleased to share new and relevant updates for our health and medical operation, where we expect to write our first premium in this third quarter. It is a major step for our company, but one that has been carefully planned and crafted. It is not intended to make the difference in the parent company results in the short term, but it will certainly in the next five years. Before I expand on the how, let me touch on the what. because the potential is huge. Data shows it. Our agents and people have voiced it. Mexican private health and medical insurance penetration is less than 10 percent, and Kualita Salud will become a great opportunity for a non-attended population segment, which we have estimated around 60 million people. Second, while we recognize health and health are quite different lines, We know that high-quality service, a unique value proposition, and a company they can trust is relevant and is what Qualita Salud will bring. And the third, the maturity level in the Mexican auto insurance industry and the evolution of it with new trends such as autonomous vehicles, shared mobility, et cetera, has made us pursue a business diversification. And to be clear, We are not expecting a disruption in the auto insurance in the next decade, but we are responsible to set Qualitas for generations to come. With those compelling facts, let me briefly comment on some relevant points on the product and strategy for Qualitas Salud. As we mentioned during our Qualitas Day with investors and analysts, we decided to launch Qualitas Salud in an organic way and under humble approach. We will launch learn, adjust, and then we will expand. Our entry will also be phased geographically, starting in Mexico City and the metropolitan area. As I said, written premiums and capital recovery over the first couple of years are not expected to significantly affect our holding company results. The target market of Qualitas Salud will be the C and C-minus segment of populations. We will focus on compensatory products for individuals, which will enable us to have a limited responsibility and well-defined risk . At this stage, we are not going after the people that already have premium private health insurance, nor after the large corporate accounts. Qualita Salud is a new company that will seek to specialize in health. We will not jeopardize the specialization in . This is very, very important. Small team of people that we have with NICS members with health insurance background, a few that come from Qualitas auto team, is fully in place. Back office operation will be shared to benefit from scale, and our commission network will help boost expansion. Perhaps the most important thing about this entry is that Qualitas DNA will remain unchanged, and we will be passionate to provide unique service, quick and unbiased to honor our commitments to agents and policyholders, and obsessed with cost control. If we do this, we will provide a unique value proposition to all stakeholders, and we will once again disrupt the market. And before I hand it over to Bernardo, let me reiterate that I am pleased on how we are moving along with execution on our strategy. We understand low ends of the cycle are never fun, but they bring along an opportunity for reinvention and to further stand out. And I am certain of our ability to overcome it and optimistic about the future. And without, let me hand this over to Bernardo so he shares the financial details of the results for the second quarter. Bernardo, please.