Jose Fernandez | Chief Executive Officer |
Maritza Arizmendi | Chief Financial Officer |
Alexander Twerdahl | Piper Sandler & Co. |
Brett Rabatin | Hovde Group |
Timur Braziler | Wells Fargo |
Your program is about to begin. Should you need audio assistance during today's program, [Operator Instructions]. Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Britney, I will be your operator today.