Good morning. Welcome to the 2021 virtual annual meeting of shareholders of OFG Bancorp. My name is Julian Inclán. I am the Chairperson of the Board of Directors, OFG Bancorp. The board has designated me to preside this meeting. In light of the coronavirus pandemic, our meeting is being conducted virtually to allow our shareholders, board of directors, and management to safely participate in accordance with physical distancing principles recommended by public health authorities. The agenda for this meeting is broadcast through our virtual meeting website. The agenda calls for us to open the meeting, read and approve the minutes, formally consider the proposals submitted to shareholders, answer any questions submitted by shareholders, close and tally the voting, and then conclude the meeting. We will expeditiously proceed through the agenda of today's meeting. For information on the results of OFG Bancorp for 2020 and the first quarter of 2021, please refer to our attendee materials. If you have logged into the meeting as a shareholder, you may submit a question by clicking the Q&A button on your screen. Questions related to our most recent published financial results or matters voted at the meeting will be addressed to the extent possible prior to the closing of the polls. We will do our best to answer as many questions as time allows. To give everyone a chance to ask a question, we will limit each shareholder to one question or topic. Questions and answers may be grouped by topic, and substantially similar questions will be grouped and answered once. Please note that most of the shareholders have voted by proxy, and their votes have already been counted. I hereby call the meeting to order with a quorum established by a majority of the shares present, representing more than 88% of issued and outstanding shares. Carlos Souffront, our Secretary, will serve as the Secretary of the meeting, and Hugh González, our General Counsel, will serve as the inspector of the election. Shareholders attending the meeting can vote their shares online at any time during the meeting until the closing of the polls by logging into the meeting as a shareholder and clicking the voting button at the bottom of your screen. If you have previously voted by proxy and do not wish to change your vote, no further action is required. The polls will be closed after the presentation of the proposals and completion of the discussion of the proposals, if any. We have available for your review on our virtual meeting platform, a list of record shareholders of the company's common stock as of the close of business on March 3rd, 2021, provided by the American Stock Transfer & Trust Company, who is our registrar and transfer agent. We will proceed to read and approve the minutes of last year's annual meeting of shareholders. Mr. Chairman, I present a motion to declare the minutes read and to approve the same. I second the motion. Thank you. The minutes of the 2020 annual meeting of shareholders are approved. At this time, we will present for the consideration of our shareholders the proposals set forth in the notice of the annual meeting. The first proposal is to elect seven directors for a one-year term expiring at the 2022 annual meeting of shareholders and until their successors are duly elected and qualified. The second proposal is to provide an advisory vote on executive compensation. The third proposal is to ratify the election of KPMG LLP as the company's independent registered public accounting firm for 2021. The board of directors recommends that shareholders vote in favor of all the foregoing proposals. Are there any questions or comments in connection with any of the proposals? No questions have been submitted by the shareholders. There being no further discussions over these proposals, I declare the voting concluded. Inspector, please inform the results of the vote on the proposals. Mr. Chairperson, all proposals were approved by the shareholders in accordance with the Board's recommendations. Thank you. I declare the proposals approved. As there are no other matters to be considered at this meeting, I declare this meeting concluded. Thank you all for your support.