José Rafael Fernández | Vice Chair, Board and CEO |
Maritza Arizmendi | Chief Financial Officer |
Timur Braziler | Wells Fargo |
Brett Rabatin | Hovde Group |
Alex Twerdahl | Piper Sandler |
Kelly Motta | KBW |
Please standby.
Your program is about to begin. [Operator Instructions] Good morning. Thank you for joining OFG Bancorp’s Conference Call. My name is Melinda.