Good morning, and welcome to Virtual First BanCorp annual meeting of stockholders. Before we begin today's virtual meeting, it is the company's responsibility to inform you that this meeting may contain certain forward-looking statements such as projections of revenue, earnings, and capital structure, as well as statements on the plans and objectives of the company's business. The company's actual results could differ materially from forward-looking statements made due to the important factors described in company's latest SEC filings. The company assumes no obligation to update any forward-looking statements made during this meeting. At this time, I'd like to turn the meeting over to the Chairman of the Board of Directors of First BanCorp, Mr. Roberto Herencia. Thank you. Good morning, and welcome to all. I'm Roberto Herencia, Chairman of the Board of First BanCorp. Leading the online today is Aurelio Alemán, Director, President, and Chief Executive Officer of the Corporation; Orlando Berges, Executive Vice President of the Corporation and Chief Financial Officer; and Sara Alvarez, General Counsel and Secretary to the Board, who will serve as Secretary for this meeting. Also in attendance today are our fellow Members of the Board of Directors, Mr. Juan Acosta Reboyras, Mrs. Luz Crespo, Ms. Tracey Dedrick, Mrs. Patricia Eaves, Mr. Daniel Frye, Mr. John Heffern, and Mr. Félix Villamil. I would also like to recognize the participation of Mika Rimi and Brian Hecker, representatives of Crowe LLP, the Corporation's Independent Registered Public Accounting Firm. Needless to say, 2020 was a very challenging year that our Corporation employees demonstrated tremendous heart and resiliency. Beginning January 2020, Puerto Rico encountered earthquakes in the southwestern region of the island, only to be followed by the COVID-19 pandemic taking hold in March and still persisting today. Our customers, colleagues, and communities have been impacted in significant and sometimes very unfortunate ways. We are thankful that we have been a resource for them, donating to various organizations and providing first aid relief. As we emerge from this period, we are confident that we will rise stronger. I'm very proud of how our corporation and our management team has stepped up to meet the moment, driving our strategy forward while taking important steps to support customers and communities when they have needed us the most. Our strong capital levels and disaster preparedness gave us the flexibility to serve our customers and our employees during this time of need. One year following the lockdowns, effective March 15th, our stock price has appreciated over 250%. The increase in our dividend announced in January increased our current dividend yield to 2.2%, and we recently announced a $300 million share repurchase program. We will work diligently to protect and create value as we continue to actively evaluate opportunities to deploy excess capital, whether it be growth opportunities in the markets we serve or returning it to our shareholders. We are resolute in our commitment to move forward with optimism and confidence. I'd like to take a moment to recognize the valuable contributions made by our directors in such a challenging and difficult year. Their leadership, guidance, engagement, and support were instrumental for the executive team, which once again proved their ability to navigate the corporation through difficult times. I'm also very grateful to our leadership team, our staff, our employees, and our resilient customers and communities that combined have driven the success of our institution. I would also like to recognize contributions made by Mr. [Jose Isabella], who served as Director since 2004, and Mr. Robert Gormley, who served as Director since 2012, both of whom communicated their intention to not stand for re-election at the end of their current term. I know they have my thanks to them all, and we thank Jose and Bob for their years of service, advice, commitment, and their strong overall contributions to the board throughout their tenure. Thank you, Jose and Bob. I will now call this meeting to order. We will first write a brief statement of the record after which we will conduct the formal business portion of the meeting. It is now my pleasure to leave you with our President and Chief Executive Officer, Mr. Aurelio Alemán. Thank you, Roberto. As Roberto highlighted, definitely 2020 was an unprecedented year. In spite of all the challenges presented by the pandemic, which some of them are still present, we're pleased with the operational achievements and the strategic achievements that we have in 2020. The M&A transaction represented the largest transaction historically in our corporation in 2020 in spite of pandemic challenges. I have to say that I'm fully proud of how the team, the management team, and the board managed all the challenges that were presented last year and put us in a position that we have today. Our assets climbed to $18.8 billion at the end of the year, an increase of $6.2 billion, due in large part to the $1.3 billion acquisition of Banco Santander Puerto Rico, which was completed since September 1st, 2020, and contributed to the total of $5.6 billion in total assets base. On the economics front, I think you know that post-pandemic recovery is definitely promising for our territories. The increased pace of disbursement of disaster recovery loans looks well for the coming improvement of the island. Across the three territories that we operate, there's a significant stimulus flowing. In the case of Puerto Rico, the CARES Act still represents approximately $45 billion of economic stimulus, which is almost 50% of the annual GDP for the island. The integration of the corporation is ready to achieve the same phases as planned. It's definitely progressing as planned in the execution, and we are on track to complete the acquisition and full conversion by the end of the summer of 2021. Our core balance sheet with liquidity, reserve coverage, and capital ratios well above the top part of our peers will continue to support our growth initiative and goals and will support our capital deployment strategies. For the year 2020, we generated $102 million of net income or $0.46 per share compared to $167 million or $0.76 per share in 2019. Despite the economic effects of the pandemic on both our earnings and selected mix and the Santander acquisition, the results were aligned to the projections. Pre-tax pre-provision net income for the year increased 6% to $300 million. Loan originations and renewals for the year reached $4.4 billion, and organic core deposit growth achieved a historic record of $2 billion. The acquisition contributed an additional $4.1 billion in composite. The earning power of our franchise continues to contribute to our growing capital position. Even following the acquisition, we ended the year with the highest capital ratios among Puerto Rico publicly traded banks and the top 5% of U.S. peers. Capital deployment is a priority. Early in 2021, we increased our dividend. More recently, we announced a $300 million share repurchase program. We are grateful how we all came together as a team and organization to rise and overcome the obstacles and find the ways in which we supported our current co-workers and colleagues. The future is bright for First Ban. We remain a pillar of support for the communities we serve. I will leave you with Vice President and Chief Counsel, Sara Alvarez. Thank you, Aurelio. Substantially similar questions will be grouped and answered once. At this point, I would like to inform you that joining us today is Mr. Aurelio Robles, who represents Broadridge Financial Solutions, the entity that has been appointed by the board of directors as Inspector of Election for this annual meeting. Mr. Robles is in charge of the tabulation and certification of the votes cast in the meeting. Please note that most of the shareholders have voted by proxy, and their votes have already been counted. As Secretary of the board of directors, I have received an update of distribution from Broadridge Financial Solutions certifying that materials related to these meetings were mailed or made available to the corporation shareholders as of March 25, 2021. We have calculated the proxy statement as the record date for shareholders entitled to receive notice and to this meeting. Our first matter is to determine the existence of a quorum for the purpose of conducting this meeting. We have in possession a list of shareholders from the corporation of stock as of the close of business on March 25, 2021, provided by Computershare, our register and transfer agent, which shows shareholders of 218,366,661 shares of common stock issued and outstanding have the right to vote in this meeting. Our inspector of election has informed us that they are represented by proxy, approximately 88.8% of the shares of common stock entitled to vote at this meeting. Consistent with state law and our bylaws, the list of shareholders entitled to notice is available for your review at the office of the Secretary of the Board. If the majority of the shares of common stock entitled to vote are present at this meeting, either participating in the call or by proxy, I certify that this meeting is duly convened for the purpose of transacting the business properly brought before it. The first item of the agenda is the reading and the approval of the minutes of the annual shareholders meeting held on May 22, 2020. I'll proceed with the reading of the minutes. Orlando here. I second the motion to read the previous meeting's minutes and to approve them at this time. I, Roberto, second the motion. Thank you, Mr. Roberto Herencia. The minutes of the annual meeting of shareholders held on May 22 are approved. They will be available for your review at the office of the Secretary of the Board. We will now proceed with the description of matters properly before today's meeting. The first proposal is the election of directors. For this purpose, the board of directors duly nominated the following nine individuals to serve as directors of the corporation for a term expiring at the next annual meeting of shareholders in 2022. These are Mr. Juan Acosta Reboyras, Mr. Aurelio Alemán, Ms. Luz Crespo, Ms. Tracey Dedrick, Mrs. Patricia Eaves, Mr. Daniel Frye, Mr. John Heffern, Mr. Roberto Herencia, and Mr. Félix Villamil. The board of directors recommends a vote for each nominee to the board. The second proposal relates to the advisory approval of the compensation structure of the corporation's named executive officers. The board of directors recommends a vote for the advisory approval of the named executive officers' compensation as disclosed in the corporation's proxy statement. The vote on the approval of this proposal is informative and hence not binding on the board. The third proposal relates to the ratification of the appointment of Crowe LLP as the corporation's independent registered public accounting firm for fiscal year 2021. The board recommends a vote for the ratification of the appointment of Crowe LLP as the independent registered public accounting firm of the corporation for this fiscal year ending December 31, 2021. The affirmative vote of a majority of the shares represented herein and entitled to vote is required for the approval of all three proposals. If there's any shareholder who has not voted and who wants to vote at this time, we ask that you please do so by clicking on the voting button on your screen. I will pause now to allow shareholders to vote and address any questions received on these proposals. We understand that all that wish to vote have done so at this time. Having received no questions on the proposals, the polls for voting on the matters before this meeting are now closed. The inspector of election has informed us that the proxies have been tabulated, and that the corporation has received the proxies necessary to elect all nine director nominees, approve on advisory basis the corporation's named executive officers' compensation as it is described in the corporation's proxy statement, and to ratify the appointment of Crowe LLP as the corporation's independent registered public accounting firm for fiscal year 2021. The final voting results of the matters properly brought to your attention at this meeting will be reported in a Form 8-K to be filed with the Securities and Exchange Commission within the next four business days. Please note the replay of today's webcast will be available for one year on the corporation's website. This concludes our agenda for the business portion of the meeting. We will now move to the questions and answer portion of the meeting. As previously mentioned, if you have logged into the meeting with the six-digit control number, you may ask questions now by typing into the text box on the bottom of your screen.