 OFG Bancorp NYSE:OFG Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Jose Fernandez - CEO Vice Chair Maritza Arizmendi - CFO Conference Call Participants Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Good morning. Thank you for joining the OFG Bancorps Conference Call. 