With the institution of the Conduct Supervision department, more emphasis is being  placed by the Bank on the supervision of the behavior of the institutions boards in the execution of their responsibilities. I hereby conclude my introductory remarks and pass the word now to Mrs. Mayesi Hammoud who will elaborate further on Corporate Governance aspects as established by the Corporate Law of Curaçao.
I wish you further a pleasant stay on our island and hope that the discussions of this morning will be very fruitful.