Aurelio Aleman | President & CEO |
Orlando Berges | EVP & CFO |
Ramon Rodriguez | Corporate Strategy & IR |
Timur Braziler | Wells Fargo |
Alex Twerdahl | Piper Sandler |
Kelly Motta | KBW |
Thank you for standing by, and welcome to the First BanCorp 3Q 2022 financial results call. My name is Sam, and I'll be your moderator for today’s call. [Operator Instructions]. I'll now turn the call over to our host, Ramon Rodriguez, Corporate Strategy and Investor Relations Officer. Ramon?