 OFG Bancorp NYSE:OFG Q1 2022 Earnings Conference Call April 21, 2022 10:00 AM ET Company Participants Jose Rafael Fernandez - CEO Vice Chair Maritza Arizmendi - CFO Conference Call Participants Alex Twerdahl - Piper Sandler Kelly Motta - KBW Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Operator Good morning. Thank you for joining OFG Bancorps Conference Call. 