 First BanCorp. NYSE:FBP Q3 2022 Earnings Conference Call October 25, 2022 10:00 AM ET Company Participants Aurelio Aleman - President CEO Orlando Berges - EVP CFO Ramon Rodriguez - Corporate Strategy IR Conference Call Participants Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Thank you for standing by, and welcome to the First BanCorp 3Q 2022 financial results call. My name is Sam, and Ill be your moderator for todays call. 