 First BanCorp. NYSE:FBP Q2 2020 Earnings Conference Call July 28, 2020, 10:00 AM ET Company Participants John Pelling - IR and Capital Planning Officer Aurelio Alemán - President and CEO Orlando Berges - EVP and CFO Conference Call Participants Chris Nardone - Bank of America Alex Twerdahl - Piper Sandler Glen Manna - KBW Presentation Operator Good morning and welcome to the First BanCorp Second Quarter 2020 Earnings Conference Call. 