Ladies and gentlemen, a good morning to all of you. We’d like to thank Security Bank, in particular President and Chief Executive Officer (CEO) Sanjiv Vohra, for inviting us to speak before you here at the 2021 Economic Forum. We hope that everyone here is well and keeping healthy and safe from COVID-19. Today, we continue reading : Keynote Speech of Secretary Ramon M. Lopez, Security Bank’s 2021 Economic Forum