Jose Rafael Fernandez | President, Chief Executive Officer & Vice Chairman |
Maritza Arizmendi | Executive Vice President & Chief Financial Officer |
Brett Rabatin | Piper Jaffray |
Alex Twerdahl | Sandler O’Neill |
Joe Gladue | Alden Securities |
Good morning. Thank you for joining OFG Bancorp's Conference Call. My name is Samantha. I will be your conference operator today.
Our speakers are Jose Rafael Fernandez, President, Chief Executive Officer and Vice Chairman and Maritza Arizmendi, Executive Vice President and Chief Financial Officer.