Jose Rafael Fernandez | Chief Executive Officer, Vice Chairman of the Board |
Maritza Arizmendi | Chief Financial Officer |
Alex Twerdahl | Piper Sandler |
Jon Krautmann | Rubric |
Anne Wickland | Easterly investment |
Good morning. Thank you for joining OFG Bancorp's conference call. My name is Christie and I will be your operator today.
Our speakers are Jose Rafael Fernandez, Chief Executive Officer and Vice Chair of the Board of Directors and Maritza Arizmendi, Chief Financial Officer. A presentation accompanies today's remarks that can be found on our Investor Relations website on the homepage in the What's New box or on the Quarterly Results page.