Today Mr. Ian R. De Souza joins us as our new Chief Executive Officer. He is the former Principal Advisor at Advice Financial Co. Ltd (AFC), an independent financial services consultancy. He has served in several senior positions with the Republic Bank Group across the Caribbean and more recently, was Project Lead in Republic Bank’s acquisition of Scotiabank’s operations in several Caribbean territories. Mr De Souza’s extensive experience in the financial services and deep knowledge of regional and international markets will enhance our efforts towards successful execution of our 2020 Strategic Plan. There will be a customary transitionary period up to the January 31st departure of our incumbent CEO Mr. Faria to allow for a seamless transfer of leadership. We extend a warm welcome to Mr. De Souza.