<SEC-DOCUMENT>0001140361-25-019487.txt : 20250516
<SEC-HEADER>0001140361-25-019487.hdr.sgml : 20250516
<ACCEPTANCE-DATETIME>20250516163632
ACCESSION NUMBER:		0001140361-25-019487
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20250128
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250516
DATE AS OF CHANGE:		20250516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST BANCORP /PR/
		CENTRAL INDEX KEY:			0001057706
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				660561882
		STATE OF INCORPORATION:			PR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14793
		FILM NUMBER:		25959883

	BUSINESS ADDRESS:	
		STREET 1:		1519 PONCE DE LEON AVE
		STREET 2:		SANTURCE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00908-0146
		BUSINESS PHONE:		7877298200

	MAIL ADDRESS:	
		STREET 1:		1519 PONCE DE LEON AVE
		STREET 2:		PO BOX 9146
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00908-0146
</SEC-HEADER>
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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">Washington, DC 20549</div>

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      <div style="font-family: 'Times New Roman'; font-size: 18pt;">
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Form <ix:nonNumeric name="dei:DocumentType" id="Fact_5511a2c342a142f19ca33e6f62a69b06" contextRef="c20250128to20250128">8-K/A</ix:nonNumeric></div>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">CURRENT REPORT</div>

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        <div><br/>
        </div>

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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 or 15(d) of</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">the Securities Exchange Act of 1934</div>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_1fac1b6ba34243acaefc0d4347cb63a7" contextRef="c20250128to20250128" format="ixt:date-monthname-day-year-en">January 28, 2025</ix:nonNumeric></div>

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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_136c0ad223d640218949a8bf85b5dc85" contextRef="c20250128to20250128">First BanCorp.</ix:nonNumeric><br/>
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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Exact Name of Registrant as Specified in its Charter)</div>

      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div><br/>
        </div>

      </div>

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              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_33476aeb83fa4802b11178af2b791ba0" contextRef="c20250128to20250128" format="ixt-sec:edgarprovcountryen">Puerto Rico</ix:nonNumeric><br/>
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    <td style="width: 34%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
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              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_58094317420f4352bb92f313d71aedd8" contextRef="c20250128to20250128">66-0561882</ix:nonNumeric><br/>
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    <td style="width: 33%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(State or Other Jurisdiction of Incorporation)</div>
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    <td style="width: 34%; vertical-align: bottom;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Commission File Number)</div>
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    <td style="width: 33%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(I.R.S. Employer Identification No.)</div>
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    <td style="width: 49.01%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_d3d9bf3d1d104de1866107e615c4ee4b" contextRef="c20250128to20250128">1519 Ponce de Leon Ave.</ix:nonNumeric><br/>
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              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine2" id="Fact_9a69f14d938d4e918559dde1bd5064b1" contextRef="c20250128to20250128">P.O. Box 9146</ix:nonNumeric><br/>
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              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_7c215aa10107454aaf40312e0e5e02e1" contextRef="c20250128to20250128">San Juan</ix:nonNumeric>,
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    <td style="width: 2%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 49%; vertical-align: top;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>
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    <td style="width: 49.01%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Address of Principal Executive Offices)</div>
            </td>

    <td style="width: 2%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 49%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Zip Code)</div>
            </td>

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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(<ix:nonNumeric name="dei:CityAreaCode" id="Fact_cbc2180a460345f9a7587631c938ce31" contextRef="c20250128to20250128">787</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_23f53a77d9ab4c1d953d239e47fccf56" contextRef="c20250128to20250128">729-8200</ix:nonNumeric></div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Registrant&#8217;s Telephone Number, including Area Code)</div>

      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div><br/>
        </div>

      </div>

      <div>
        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Not applicable</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Former name or former address, if changed since last report)</div>

      </div>

      <div>
        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of
          the following provisions:</div>

        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

      </div>

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    <td style="width: 72pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_08362af1ccc04cd88a815bd315b43863" contextRef="c20250128to20250128" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0);">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            </td>

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        <div><br/>
        </div>

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    <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_ec0f06c5fdab43028380012256ee6a7d" contextRef="c20250128to20250128" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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        </div>

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    <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_4a8cb81256c6426db420573096c55cdd" contextRef="c20250128to20250128" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
            </td>

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    <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_ca8099763dd0486ba74045a830570cc6" contextRef="c20250128to20250128" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
            </td>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: justify; color: rgb(0, 0, 0);">Securities registered pursuant to Section 12(b) of the Act:</div>

      </div>

      <div>
        <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> </span><span style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
          </span></div>

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              <div style="text-align: center; color: rgb(0, 0, 0);">Title of each class</div>
            </td>

    <td style="width: 34%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Trading</div>
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Symbol(s)</div>
            </td>

    <td style="width: 32.72%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Name of each exchange on which</div>
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">registered</div>
            </td>

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    <td style="width: 33.28%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_6324e8f324364afda7eef0011dd845fe" contextRef="c20250128to20250128">Common Stock ($0.10 par value)</ix:nonNumeric><br/>
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            </td>

    <td style="width: 34%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_105cff92a80944db824328840547d8d1" contextRef="c20250128to20250128">FBP</ix:nonNumeric><br/>
              </div>
            </td>

    <td style="width: 32.72%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_b97af29bb988463ab348ddd58094db2b" contextRef="c20250128to20250128" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric><br/>
              </div>
            </td>

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        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this
          chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

        <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> </span><span style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
          </span></div>

        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_d23879d682e54668ba1a515d274e9a0c" contextRef="c20250128to20250128" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: justify; color: rgb(0, 0, 0);">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting
          standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

      </div>

      <div>
        <div style="text-align: left;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> </span><span style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
          </span></div>

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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">EXPLANATORY NOTE</div>

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        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">This Current Report on Form 8-K/A (this &#8220;Amendment&#8221;) amends the Current Report on Form 8-K filed by First BanCorp (the &#8220;Corporation&#8221;) with the
          Securities and Exchange Commission on January 31, 2025 (the &#8220;Original Form 8-K&#8221;) regarding the retirement of Cassan Pancham as Executive Vice President and Business Group Executive and his transition to a non-employee consultant of the
          Corporation. This Amendment provides a description of the terms of Mr. Pancham&#8217;s consulting agreement.</div>

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        </div>

      </div>

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    <td style="width: 54pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 5.02</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</div>
            </td>

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        <div><br/>
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      <div>
        <div style="text-align: justify; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">On May 16, 2025, Mr. Pancham and FirstBank Puerto Rico, a subsidiary of the Corporation, entered into a Professional Services Agreement (the
          &#8220;Agreement&#8221;) under which Mr. Pancham will provide consulting and advisory services as an independent contractor to the Corporation from May 16, 2025 through December 31, 2025 (the &#8220;Term&#8221;). The Agreement may be renewed upon mutual agreement of the
          parties prior to the end of the Term. During the Term of the Agreement, the Corporation shall pay Mr. Pancham an hourly fee of $250 for the services provided pursuant to the Agreement. Mr. Pancham will allocate a minimum of twenty (20) hours per
          month to providing such services to the Corporation, but will not exceed forty (40) hours per month, without prior approval by the Corporation.</div>

        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: justify; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">The Agreement also provides that, during the Term, Mr. Pancham shall provide consulting services to the Corporation in connection with its
          mortgage and insurance businesses, as well as matters related to FirstBank Puerto Rico&#8217;s business and operations in the Virgin Islands region. The Agreement contains customary confidentiality provisions, as well as customary non-solicitation and
          non-competition provisions that apply for a period of twelve (12) months following termination of the Agreement.</div>

        <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: justify; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">The foregoing description of the terms and conditions of the Agreement does not purport to be complete and is qualified in its entirety by
          reference to the full text of the Agreement, a copy of which is filed as Exhibit 10.1 hereto and incorporated herein by reference.</div>

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        </div>

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    <td style="width: 54pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Financial Statements and Exhibits</div>
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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>

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              <div>Exhibits</div>
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              <div style="text-align: center; margin-right: 0.8pt;">Exhibit</div>
            </td>

    <td style="width: 1%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 90%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
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            </td>

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    <td style="width: 9%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 1%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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              <div style="text-align: left; margin-right: 0.8pt;"><a href="ef20049204_ex10-1.htm">10.1</a></div>
            </td>

    <td style="width: 1%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: justify; margin-right: 0.8pt;">Professional Services Agreement, as of May 16, 2025, by and between Cassan Pancham and FirstBank Puerto Rico</div>
            </td>

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    <td rowspan="1" style="width: 9%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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              <div style="text-align: left; margin-right: 0.8pt;">104</div>
            </td>

    <td style="width: 1%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: justify; margin-right: 0.8pt;">Cover Page Interactive Data File (embedded within the Inline XBRL document).</div>
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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">SIGNATURE</div>

      </div>

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        <div><br/>
        </div>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0);">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly
          authorized.</div>

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              <div style="text-align: left; color: rgb(0, 0, 0);">Date: May 16, 2025</div>
            </td>

    <td colspan="3" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-weight: bold;">First BanCorp.</div>
            </td>

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    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">By:</div>
            </td>

    <td style="width: 40%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">/s/ Sara Alvarez</div>
            </td>

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    <td style="width: 5%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">Name:</div>
            </td>

    <td colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">Sara Alvarez</div>
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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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              <div style="text-align: left; color: rgb(0, 0, 0);">Title:</div>
            </td>

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              <div style="text-align: left; color: rgb(0, 0, 0);">EVP and General Counsel</div>
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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ef20049204_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
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      <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Exhibit 10.1</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Professional Services Agreement</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">This <font style="font-family: 'Times New Roman'; font-weight: bold;">MASTER SERVICES AGREEMENT </font>("Agreement") is made and entered into
        effective this May 16, 2025 (&#8220;Effective Date&#8221;), by and between Cassan Pancham ("Service Provider") and, FirstBank Puerto Rico, a financial institution organized and chartered under the laws of the Commonwealth of Puerto Rico ("FirstBank"),
        represented herein by Sara Alvarez Cabrero.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">WITNESSETH</div>
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">WHEREAS, Service Provider is expected to offer services on matters related to FirstBank&#8217;s mortgage and insurance business;</div>
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">WHEREAS, FirstBank is a financial depository institution which among other things, offers different types of financial services and products;</div>
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">WHEREAS, FirstBank desires to retain Service Provider to provide certain types of services to FirstBank;</div>
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      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">WHEREAS, in order to provide those services to FirstBank, the parties are entering into a contractual relationship.</div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">NOW THEREFORE</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">, in consideration of the mutual agreements herein contained, payments to be made and services to be performed hereunder, upon the terms and subject to the conditions set forth in this Master Agreement and intending to be legally bound,
          the parties hereto agree to the following terms and conditions:</font></div>
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            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article I.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">General Provisions</div>
            </td>
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        <div style="font-family: 'Times New Roman'; font-weight: bold;">1.1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Definitions.</u></div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Affiliate - </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">shall mean, with respect to any party, any entity controlling, controlled by or under common control with such party.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Agreement- </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">shall mean this Master Services Agreement, its Schedules, Exhibits, and attachments hereto, including any Statement of Services, Service Level Agreements or Addendums to this Master Services Agreement, and any other
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      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Business Contingency Plan </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">- </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">means the processes, preventive arrangements, resources and measures, taken by the
          Service provider to be able to respond to an event that disrupts or threatens to disrupt its operation.</font></div>
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                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">1</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Business Day </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">- shall be each day from Monday through Friday, except for Legal Holidays.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Confidential Information </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#8211; shall mean all confidential, sensitive or proprietary information, data, know-how and/or documentation not generally known to the public and any and all tangible embodiments thereof, including but
          not limited to, customer lists, information regarding FirstBank&#8217;s customers and/or consumers and the customers and/or consumers of FirstBank&#8217;s Affiliates, financial information, business plans, budgets, projections, marketing plans, designs,
          drawings, specifications, estimates, reports, models, memoranda, notebooks, notes, sketches, artwork, letters, manuals, patents, patent applications, trade secrets, research, products, services, suppliers, customers, markets, software,
          developments, inventions, processes, technology, Intellectual Property, agreements with Third Parties, engineering, hardware configuration, marketing, operations, pricing, distribution, licenses, software, source codes and object codes,
          statistical, personnel and technical data relating to FirstBank's business, and copies of all or portions thereof, which are in any way related to the business of FirstBank, as the case may be, whether or not disclosed, designated or marked as
          proprietary, confidential or otherwise. Confidential Information shall include non-public personal information of FirstBank&#8217;s customers and/or consumers, as defined by the Gramm-Leach Bliley Act of 1999 and its implementing regulations.</font></div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Effective Date - </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">The date established at the initial paragraph of this Agreement. Upon such date, the term of this Agreement shall begin.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">FirstBank </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#8211; shall mean FirstBank Puerto Rico and may also refer, as the context may require, to any Affiliate who enters into a contractual relationship with Service Provider for the rendering of certain services.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">FirstBank&#8217;s Data </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#8211; shall mean data, records and information maintained by FirstBank, including the information of its customers and/or consumers.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Intellectual Property </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">- shall mean any and all trademarks, service marks, copyrights, patents, trade secrets, commercial and/or internet domain names, software, source codes, contract forms, client lists, marketing surveys
          or other information, the names, features, designs and other specifications related to the names of products or services developed or used or that may hereafter be developed offered or sold by any of the parties, and programs, methods of
          processing, specific design and structure of individual programs and their interaction and unique programming techniques employed therein.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Legal Holiday </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">- means Saturday, Sunday or any legal holiday in the Commonwealth of Puerto Rico that is observed by FirstBank.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Person </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#8211; means any individual, corporation, partnership, trust, incorporated or unincorporated association, joint venture, joint stock company, limited liability company, Governmental Authority or other entity of any kind, and
          shall include any assignee and/or successor (by merger or otherwise) of such entity in connection therewith.</font></div>
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                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
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                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">2</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Representative </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">- means with respect to a particular Person, any director, officer, partner, member, employee, agent, consultant, advisor, or other representative of such Person, including legal counsel, accountants,
          and financial advisors.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Termination Date</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">- </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">The date of Agreement expiration or cancellation as provided herein.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic; color: rgb(0, 0, 0);">Third Party </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">- shall mean any Person that is not a party to this Agreement.</font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.2.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Binding Effect</u>. </font>This Agreement will inure to the benefit of and bind the respective successors and permitted assigns of the parties. Notwithstanding the
            foregoing, Service Provider&#8217;s rights and obligations under this Agreement are not assignable or transferable by Service Provider, by any means, without the prior written consent of FirstBank.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.3.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160; &#160;&#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Headings</u>. </font>The headings in this Agreement are inserted for convenience only and shall not be used to define, limit or describe the scope of this Agreement
            or any of the obligations herein.</font></font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);"><font style="font-family: 'Times New Roman';"> <br>
          </font></font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.4.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Plurals, Successors, Assignees, Gender, Days</u>. </font>Unless the context of this Agreement clearly requires otherwise, references to the plural include the
            singular and vice versa; references to any Person include such Person&#8217;s permitted successors and assignees; references to one gender, masculine, feminine, or neuter, include all genders; the term &#8220;day&#8221; refers to a calendar day, &#8220;including&#8221; is
            not limited but is inclusive; the words &#8220;hereof&#8221;, &#8220;herein&#8221;, &#8220;hereby&#8221;, &#8220;hereunder&#8221; and similar terms in this Agreement refer to this Agreement as a whole and not to any particular provision of this Agreement, article, paragraph, section, and/or
            a subsection, unless otherwise specified.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.5.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160; &#160; &#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Representations and Warranties</u>. </font>Service Provider represents and warrants that (i) it is authorized to provide the services under this Agreement; (ii)once
            the Agreement is executed, it creates lawful, valid and legally binding obligations; (iii) neither its performance hereunder nor the exercise by the other party of rights granted by Service Provider hereunder will violate any applicable laws,
            statutes or regulations, or the legal rights of any Third Parties, or the terms of any other agreement to which the Service Provider is or becomes a party; and,; (iv) all services to be rendered hereunder will be performed in a professional and
            workmanlike manner with reasonable skill and care consistent with generally accepted industry standards; and (v) it has the experience, training, equipment, qualifications, necessary experience and expertise to provide the contracted services
            and monitor its performance (vi) it complies with all applicable laws and regulations, either federal or local including, but not limited to, labor laws and non-discrimination regulations in the recruiting of its employees (vii) it maintains
            any and all licenses, authorizations, and/or permits required by law or regulation for providing its services and shall maintain in effect all such licenses, authorizations and/or permits, if required, during the term of this Agreement. The
            aforementioned representations are an essential condition to this Agreement. As such, non- compliance with these representations shall be considered an Event of Default, as defined under Section XI, and FirstBank shall have the right to
            immediately terminate this Agreement.</font></font></div>
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                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">3</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Upon request by FirstBank, Service Provider agrees to provide any additional assurances to any governmental authority and agrees to comply with
        any examination required by applicable law or regulation or any legal requirement that may apply to FirstBank and the contracted services.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider shall be responsible for ensuring that its performance and grant of rights do not constitute any such violation during the term
        of this Agreement. Each of the foregoing representations and warranties and any other representations and warranties made throughout this Agreement will be deemed provided by the parties on the Effective Date hereof and shall be continuous in
        nature throughout the life of this Agreement and any other agreement entered into between the parties.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.6.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Subcontracting</u>. </font>Service Provider may not engage a subcontractor to provide the services contemplated herein, except with the prior written authorization of
            FirstBank. Service Provider shall be liable and responsible for the performance and any act of a subcontractor as if it were its own.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.7.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Relationship between the Parties</u>. </font>The parties hereto are independent contractors, and this Agreement shall not be construed in any way as establishing a
            partnership, joint venture, express or implied agency relationship between them. Service Provider shall not be entitled to nor receive any benefit normally provided to FirstBank's employees such as, but not limited to, vacation payment,
            retirement, health care or sick pay. Service Provider shall be solely responsible for filing all returns and paying any income, social security or other tax levied upon or determined with respect to the payments made to Service Provider
            pursuant to this Agreement. Service Provider shall take reasonable steps not to cause any third party to consider Service Provider as anything other than an independent contractor and shall take all reasonable necessary steps to assure not to
            take any action which expressly, or by implication, would cause any person to conclude that Service Provider is an employee of FirstBank or any of FirstBank&#8217;s subsidiaries and/or affiliates in performing any of the services pursuant to this
            Agreement, or that Service Provider is an agent of FirstBank. Neither Service Provider nor FirstBank has the authority to bind the other to any third persons or otherwise act in any way as representative of the other, unless expressly agreed to
            in this Agreement or in writing signed by both parties.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.8.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160; &#160;&#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Non-Compete Agreement</u>. </font>During the term of this Agreement and for a period of twelve (12) months following the termination of the same, Service Provider
            shall not, directly or indirectly, engage in any business that competes with FirstBank&#8217;s business. This includes, but is not limited to, owning, managing, operating, controlling, being employed by, or participating in any business that is in
            competition with FirstBank. Service Provider agrees that this restriction is reasonable in scope and necessary to protect FirstBank&#8217;s legitimate business interests, including its trade secrets, confidential information, and customer
            relationships.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.9&#160;&#160;&#160;&#160;&#160; &#160; &#160; <u>Non-Solicitation</u>. </font><font style="font-size: 10pt; color: rgb(0, 0, 0);">During the term of any business relationship between the parties and for a period of twelve (12) months after the termination of such relationship, Service Provider agrees that it will not directly,
          either on its own behalf or on behalf of any other Persons, solicit, recruit, hire, employ or otherwise engage as an employee, independent contractor or otherwise any employee of FirstBank, or directly or indirectly provide the names or other
          employment information about any employee of the other party to any recruiter, headhunter or other Person.</font></div>
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                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">4</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.10.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Severability</u>. </font>If any term of this Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, then this Agreement, including all
            of the remaining terms, will remain in full force and effect as if such invalid or unenforceable term had never been included. It is the intention of the parties that if any such provision is held to be illegal, invalid or unenforceable, there
            will be added in lieu thereof a provision as similar in terms to such provision as is possible and be legal, valid and enforceable.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.11.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Interpretation</u>. </font>The general terms and conditions of this Agreement, its Exhibits, Schedules, Statements of Services, Service Level Agreements or Addendums
            made a part hereof from time to time shall be interpreted as a single document. In the event of any conflict between the terms and conditions stated herein and the terms and conditions of an Exhibit, Schedule, Statement of Service, Service
            Level Agreement or Addendum hereto, the general terms and conditions in this Agreement shall prevail, except for those terms related to the specific services being described in the Exhibits, Schedules, Statements of Services, Service Level
            Agreements or Addendums.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.12.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Incorporation</u>. </font>All Exhibits, Schedules, Statements of Services, Service Level Agreements, Addendums, or any other document attached hereto, to which
            reference is made herein, are incorporated by reference as if fully set forth herein.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.13.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160; &#160; &#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Waiver</u>. </font>The tardiness or failure by any of the parties hereto in exercising any right or privilege pursuant to this Agreement, shall not be deemed as a
            waiver hereof, nor shall the exercise of any right by any party serve as an obstacle to the exercise of any other right. The waiver of any breach of any provision under this Agreement by any party shall not be interpreted as a waiver of any
            preceding or subsequent breach under this Agreement. Any waiver shall be effective only when in writing.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.14.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Governing Law and Jurisdiction</u>. </font>This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico,
            regardless of the domicile of any party or principles of conflicts of laws, and will be deemed for such purposes to have been made, executed and performed in San Juan, Puerto Rico.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.15.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160; &#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Dispute Resolution.</u>&#160;</font>All claims, disputes and other matters in question arising out of or relating to this Agreement or the breach thereof, will be decided
            by proceedings instituted and litigated in a court of competent jurisdiction in San Juan, Puerto Rico. In the event of any litigation under this Agreement, each party shall pay its own attorney&#8217;s fees and costs, excluding any litigation
            pursuant to the Confidentiality Provision and/or the Indemnification Provision. In addition, both parties waive their rights to a trial by jury. The parties hereby mutually agree that no party, nor any permitted assignee, successor, heir or
            Representative of thereof shall seek a jury trial in any lawsuit, proceeding, counterclaim, or any other litigation procedure based upon or arising out of this Master Service Agreement, or any related agreement or instrument between the
            parties. None of the parties will seek to consolidate any such action, in which a jury trial has been waived, with any other action in which a jury trial has not been waived. The provisions of this section have been fully negotiated by the
            parties. The waiver contained herein is irrevocable, constitutes a knowing and voluntary waiver, and shall be subject to no exceptions.</font></font></div>
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                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">5</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.16.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>No Third Party Beneficiaries</u>. </font>Each party intends that this Agreement shall not benefit, or create any right or cause of action in or on behalf of, any
            Person other than Service Provider and FirstBank.</font></font></div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">1.17.</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">&#160; &#160;&#160; &#160; <font style="font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman'; font-weight: bold;"><u>Prohibition on Publicity</u>. </font>Service Provider shall not disclose, advertise or publish the fact that the parties have executed this Agreement, nor disclose
            the contents of the Agreement, without first obtaining the written consent of FirstBank.</font></font></div>
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      <table cellspacing="0" cellpadding="0" id="z4f1f30a713a84fa2a6ecf8a23f27e144" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article II.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Terms and Description of Services</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">This Agreement contains the terms and conditions of the contractual relationship between the parties. If FirstBank retains the services of Service
        Provider, the specific terms and conditions of the services to be provided and the related transactions will be contained in this Agreement, and the Exhibit, Schedule, Attachment, Addendum, or any work orders, services descriptions, or other
        statement of services Agreement (each a &#8220;Statement of Services&#8221;) which shall be considered incorporated to this Agreement.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z5e7eeec1f89946e69702c2ec4758a1af" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article III.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Term</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider shall provide services to FirstBank pursuant to this Agreement for a term commencing on the Effective Date and shall be in effect
        until December 31, 2025. Any renewal of term shall be agreed between the parties before the expiration date of this Agreement.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z32735414af9b4e359c999bb42f79744b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article IV.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Fees</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">The fees for the services provided by Service Provider shall be $250 per hour. Service Provider will allocate a minimum of 20 hours per month, but
        will not exceed 40 hours per month, without prior approval. Service provider shall provide FirstBank a weekly memos of all services performed. Each memo shall describe the activities, accomplishments, deliverables, and milestones related to the
        services provided during the specific period of time. The fees to be charged pursuant to this Agreement may not be subject to modification, unless otherwise provided in a Statement of Services attached. Any change in fees or expenses proposed by
        Service Provider, shall be considered a proposed amendment to this Agreement and shall be subject to both parties consent to be effective.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="ze6807d24fe13466d817ad0e723cfe9cf" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article V.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Indemnification</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider, its Representatives, or subcontractors (the Indemnitors) agree to indemnify and hold harmless FirstBank, its holding company,
        subsidiaries and affiliates, including its respective directors, officers, employees or agents from and against any and all liabilities, claims, demands, losses, damages, costs and expenses (including, without limitation, reasonable attorneys&#8217; fees
        and litigation expenses), actions or causes of action, arising out of or relating to:</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z54eb21e566444058a93a85605f6017d9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 18pt;">&#160;</td>
              <td style="width: 32.95pt; vertical-align: top; text-align: right; font-size: 10pt; color: rgb(0, 0, 0);">
                <div style="text-align: left; font-family: 'Times New Roman';">(i)</div>
              </td>
              <td style="width: auto; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">
                <div style="text-align: left; font-family: 'Times New Roman';">any breach of any covenant or provision contained in this Agreement,</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="width: 100%;" class="BRPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">6</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" id="z722b975ea0b343baa36f74e54bc18368" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 32.95pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(ii)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">the negligence or intentional acts of the Indemnitors during the performance of the terms and obligations contemplated in this Agreement,</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" id="z46e06bd54a7446df989c9706dc7537f5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 32.95pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(iii)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">infringement of patent, trademark, intellectual property rights, copyright or any other property rights,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">In addition, in the event of any breach of any covenant made by Service Provider under this Agreement, FirstBank shall have the right to
        immediately terminate the Agreement. Such remedies shall not be deemed to be the exclusive remedies for a breach of this Agreement by Service Provider but shall be in addition to all other remedies available at law or in equity.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zd9f6e471ff494636b2e4d701a9ed9805" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article VI.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Contingency Planning</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider acknowledges that it is responsible for maintaining an updated and appropriate Business Contingency Plan in effect at all times.
        Service Provider represents and warrants that its Business Contingency Plan includes viable contingency procedures capable of complying with legal, regulatory and reasonable business requirements. Service Provider shall make available to FirstBank
        the Business Contingency Plan upon request. Service Provider represents and warrants that the Business Contingency Plan has been tested and it allows the Service Provider to resume business operations in a timely manner in the event of a disruption
        or threat of disruption due to an unforeseeable incident, without interrupting significantly the services subject to this Agreement.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zfe4d8bc9ea004a5c90889a032b4cc7b2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article VII.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Inspection and Monitoring</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Moreover, Service Provider agrees that FirstBank may inspect, monitor and examine Service Provider&#8217;s operations, financial condition and any other
        information, document or process that may affect the Services subject to this Agreement or related internal controls and condition of the Provider.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zc937893fba6a44e199c7e33d4605f9e6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article VIII.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Intellectual Property</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">All work performed by Service Provider under the terms of this Agreement, including but not limited to the processes, methods, mechanisms,
        designs, codes and all other documentation developed for or specifically related to the processes and methods of FirstBank under this Agreement and all of FirstBank&#8217;s documents, data and other information of all kinds, reports, documents, and notes
        prepared by Service Provider shall be considered work for hire and as such the property of FirstBank. Any and all such property shall be delivered to FirstBank as requested, subject to the conditions set for the below. Thus, upon completion of
        development of the services, approval by FirstBank, and payment of any pending invoices, Service Provider shall deliver all sources to FirstBank, which shall be FirstBank&#8217;s exclusive property.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="width: 100%;" class="BRPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">7</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">In the event that Service Provider employs its intellectual property to provide services pursuant to this Agreement, Service Provider warrants it
        has lawful ownership, title and interest in such intellectual property. Service Provider also represents and warrants that the use of the aforementioned property does not infringe any proprietary rights of any other party. Service Provider shall
        not acquire any proprietary interest in any development or any other information or property that may be acquired related to the contracted services. To the extent that Service Provider may, by operation of law or otherwise, acquire any right,
        title or interest in any Information or development, Service Provider hereby assigns to FirstBank all such property rights. To the extent that any copyrightable work in a development by Service Provider is not properly characterized as work made
        for hire, the Service Provider hereby irrevocably grants, assigns and transfers exclusively and in perpetuity to FirstBank, its successors and its assigns, all rights that Service Provider may have over such developments, either existing now or
        hereafter discovered, in all media and forms of expression</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z2bd76188dc1a4648bcf9905fcfbc9cbc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article IX.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Confidentiality &amp; Information Security</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">To effectively conduct its business relationship, Service Provider may have access to FirstBank's Confidential Information. Service Provider
        represents and warrants that it will comply with the Master Confidentiality Agreement executed by and between the parties for the protection of FirstBank&#8217;s Confidential Information, and which governs the disclosure of information pursuant to the
        business relationship between the parties. FirstBank&#8217;s Confidential Information may only be used for the reasons for which it was provided, unless further used is allowed by law or regulation. Service Provider must abide by the Master
        Confidentiality Agreement executed with FirstBank which governs the use of information disclosed by FirstBank, and should also comply with all applicable privacy related laws, such as the Gramm-Leach Bliley Act of 1999 and its implementing
        regulations.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">In the event Service Provider receives any type of information or data from FirstBank to perform the contracted services, or if Service Provider
        uses its technological equipment (e.g. PCs, laptops) within the premises of FirstBank and/or connected to FirstBank&#8217;s network, its subsidiaries or affiliates, it represents and warrants that its equipment has appropriate security controls,
        including but not limited to the latest security patches, antivirus with updated signature files, and firewall software. Service Provider also grants FirstBank the ability to verify and certify the compliance of its technological equipment with the
        requirements under this section.</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="width: 100%;" class="BRPFPageFooter">
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">8</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <table cellspacing="0" cellpadding="0" id="z60633e2d93794bf0845f71dc20085415" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article X.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Termination and Default</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Section 10.01 This Agreement may be terminated by FirstBank as follows and each shall be considered an Event of Default:</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z8c5da812e00a46fc96c6ca6a27fcb78b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt;">&#160;</td>
            <td style="width: 21.5pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(a)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">If Service Provider is unable to provide the services by any reason,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z5f14a853f6e14724ae6d1c88b7518a40" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(b)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">due to a breach by Service Provider of any the obligations contemplated in this Agreement, including but not limited to non-compliance with laws and regulations,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="zdf8b19ea42e043a0b4a75ede2de42d0b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(c)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the provider does not have appropriate licenses or permits applicable to its business and/or the contracted services,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z1514b88668e3477eb8a047e6aa583b98" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.5pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(d)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">due to non-performance of the contracted services,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z527c76be728345f0931ac25e540ba52e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(e)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the provider incurs in breach of any of the representations or warranties contemplated in this Agreement,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z68a110fc5a8d496388df3609254a6abc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.5pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(f)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">in the event Service Provider makes a general assignment for the benefit of creditors,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z970c1d42c4d140ea8c806d758690bd82" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(g)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the Service provider applies for an appointment of a trustee, liquidator or a receiver for its business or property, or if one is assigned voluntarily,</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z31f061333a3e447c905825b89ef797dc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(h)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the Service Provider is subject to a proceeding for bankruptcy, dissolution, insolvency, receivership, liquidation or any other similar proceeding,</div>
            </td>
          </tr>

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      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z6dc53ec62406403ab497367d5e440024" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(i)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the Service Provider makes an assignment of this agreement except when prior written authorization by FirstBank is provided</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="zdf59782079b347bcb66c84606e3cbb64" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(j)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if the Service Provider does not comply with FirstBank&#8217;s Vendor management requirements, pursuant to Article XIII of this Agreement, or</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <table cellspacing="0" cellpadding="0" id="z806d0dcee5224d16bec30965efc2ddfd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.4pt; font-size: 10pt; color: rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 21.6pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">(k)</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman';">if Service Provider does not comply with the insurance requirements included under Article VI of this Agreement.</div>
            </td>
          </tr>

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      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Upon an Event of Default, as described above, FirstBank may terminate these services, without any penalty, with 10 (ten) days prior written
        notification.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Section 10.02 Notwithstanding the foregoing, FirstBank may terminate this Agreement, without cause, at any time by providing thirty (30) days prior
        written notice.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Upon termination of the Agreement, Service Provider shall reimburse FirstBank for any services not rendered and already paid by FirstBank, if any.</div>
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XI.</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Notices</div>
            </td>
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      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Any notice required to be given or otherwise given pursuant to this under this Agreement and under the related documents shall be in writing and
        shall be hand delivered, mailed by certified mail, return receipt requested or sent by recognized overnight courier service as follows or to such other or additional addresses as any party might designate by written notice to the other party:</div>
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          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">9</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">If to Service Provider:</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">Cassan Pancham</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">[Intentionally Omitted]</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">If to FirstBank:</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">FirstBank Puerto Rico</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">Sara Alvarez, General Counsel</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); margin-left: 36pt;">[Intentionally Omitted]</div>
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XII.</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Other Obligations of Service Provider</div>
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      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider agrees to comply with the Service Provider&#8217;s Code of Conduct and security requirements, or similar guidelines, applicable when
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XIII.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Entire Agreement</div>
            </td>
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      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">This Agreement constitutes the final understanding and agreement between the parties with respect to the subject matter hereof and supersedes all
        prior negotiations, understandings and agreements between the parties, whether written or oral, except as set forth in this Agreement or the Master Confidentiality Agreement, which governs the disclosure of Confidential Information by FirstBank as
        part of the business relationship between the parties. This Agreement may be amended, supplemented or changed only by a mutual agreement as set forth in writing signed by the parties hereto or their respective permitted successors in interest.</div>
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XIV.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Additional Assurances</div>
            </td>
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      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Both parties agree that subsequent to the execution of this Agreement, and without any additional consideration, each shall execute and deliver
        any further legal instruments and/or perform any acts that may be necessary to effectuate the object of this Agreement at each party&#8217;s expense.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XV.</td>
            <td style="width: auto; vertical-align: top; text-align: justify; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Survival</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">Service Provider&#8217;s representations, warranties, covenants, agreements, confidentiality and indemnification obligations contained in this Agreement
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      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
                </td>
                <td style="width: 50.00%;">
                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">10</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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          </table>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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          <tr>
            <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Article XVI.</td>
            <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="font-family: 'Times New Roman'; font-weight: bold;">Counterpart Execution.</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">This Agreement may be executed in a number of counterparts, each of which will be deemed an original document, but all of which will constitute a
        single document.</div>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">IN WITNESS WHEREOF</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">, this Agreement has been executed by the parties as of the date first above written.</font></div>
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          <tr>
            <td style="width: 3.44%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">SERVICE PROVIDER</div>
            </td>
            <td style="width: 7%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;"><br>
              </div>
            </td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">FIRSTBANK PUERTO RICO</div>
            </td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3.44%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 7%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 3.44%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); padding-bottom: 2px;" colspan="1">By:</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">/s/ Cassan Pancham</font></div>
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            <td style="width: 7%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); padding-bottom: 2px;">&#160;</td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); padding-bottom: 2px;">By:</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'Times New Roman';">/s/ Sara Alvarez</font></div>
            </td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0); padding-bottom: 2px;">&#160;</td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 3.24%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 3.24%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 49%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" rowspan="1">
              <div style="text-align: left; font-family: 'Times New Roman';">Cassan Pancham</div>
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            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" rowspan="1">
              <div style="text-align: left; font-family: 'Times New Roman';">Sara Alvarez</div>
            </td>
          </tr>
          <tr>
            <td style="width: 3.24%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 3.24%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 49%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
            <td style="width: 3%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td style="width: 42%; vertical-align: top; font-size: 10pt; color: rgb(0, 0, 0);" rowspan="1">
              <div style="text-align: left; font-family: 'Times New Roman';">EVP &amp; General Counsel</div>
            </td>
          </tr>

      </table>
      <div style="font-size: 10pt; color: rgb(0, 0, 0);"><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <tr>
                <td style="width: 50.00%;">
                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
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                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">11</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">EXHIBIT A</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; color: rgb(0, 0, 0);">Description of Services &amp; Fees</div>
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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">The Service Provider shall offer consulting services to FirstBank Puerto Rico in connection with its mortgage and insurance business and the Virgin
        Islands region. These services include, but are not limited to:</div>
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            <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">1.</td>
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              <div style="font-family: 'Times New Roman';">Mortgage Consulting:</div>
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              <div style="font-family: 'Times New Roman';">Providing expert advice on mortgage products and services based on extensive experience as a former leader in this domain.</div>
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              <div style="font-family: 'Times New Roman';">Offering insights and recommendations to support the transition of responsibilities to the new executive.</div>
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            <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">2.</td>
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              <div style="font-family: 'Times New Roman';">Insurance Consulting:</div>
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              <div style="font-family: 'Times New Roman';">Offering expert guidance on insurance products and services drawn from years of overseeing this business.</div>
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              <div style="font-family: 'Times New Roman';">Providing support for the new executive during the transition period.</div>
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            <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0);">3.</td>
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              <div style="font-family: 'Times New Roman';">Providing expert advice on the region&#8217;s products and services based on extensive experience as a former leader in this region.</div>
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              <div style="font-family: 'Times New Roman';">Sharing extensive knowledge and experience gained from leading operations in the region.</div>
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              <div style="font-family: 'Times New Roman';">Assisting the new executive in understanding the regional market and facilitating a smooth transition.</div>
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              <div style="font-family: 'Times New Roman';">Leveraging established relationships with local stakeholders to ensure continued collaboration and support during the transition and moving forward.</div>
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              <div style="font-family: 'Times New Roman';">General Consulting:</div>
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              <div style="font-family: 'Times New Roman';">Collaborating with various departments to improve overall understanding and approach in mortgage and insurance-related matters.</div>
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              <div style="font-family: 'Times New Roman';">Offering transition support to the new executive, ensuring continuity and stability in operations.</div>
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                  <div style="text-align: left; margin-left: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">FirstBank Puerto Rico Agreement</div>
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                  <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 8pt; font-family: 'Times New Roman';">Page </font><font style="font-size: 8pt;">12</font><font style="font-size: 8pt; font-family: 'Times New Roman';"> of&#160; 12</font></div>
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    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial" xml:lang="en-US" id="dei_SolicitingMaterial">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer" xml:lang="en-US" id="dei_PreCommencementTenderOffer">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag" xml:lang="en-US" id="dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag" xlink:title="label: AmendmentFlag to dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus" xml:lang="en-US" id="dei_DocumentFiscalYearFocus">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate" xml:lang="en-US" id="dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName" xml:lang="en-US" id="dei_EntityRegistrantName">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey" xml:lang="en-US" id="dei_EntityCentralIndexKey">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber" xml:lang="en-US" id="dei_EntityFileNumber">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber" xlink:title="label: EntityFileNumber to dei_EntityFileNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1" xml:lang="en-US" id="dei_EntityAddressAddressLine1">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2" xml:lang="en-US" id="dei_EntityAddressAddressLine2">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3" xml:lang="en-US" id="dei_EntityAddressAddressLine3">Entity Address, Address Line Three</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown" xml:lang="en-US" id="dei_EntityAddressCityOrTown">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince" xml:lang="en-US" id="dei_EntityAddressStateOrProvince">Entity Address, State or Province</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry" xml:lang="en-US" id="dei_EntityAddressCountry">Entity Address, Country</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode" xml:lang="en-US" id="dei_CityAreaCode">City Area Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber" xml:lang="en-US" id="dei_LocalPhoneNumber">Local Phone Number</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol" xml:lang="en-US" id="dei_TradingSymbol">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol" xlink:title="label: TradingSymbol to dei_TradingSymbol" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName" xml:lang="en-US" id="dei_SecurityExchangeName">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName" />
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</link:linkbase>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>fbp-20250128_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalYearFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalYearFocus" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalPeriodFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalPeriodFocus" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
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  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jan. 28, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 28,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-14793<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">First BanCorp.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001057706<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PR<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">66-0561882<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1519 Ponce de Leon Ave.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">P.O. Box 9146<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">San Juan<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">PR<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">00908-0146<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">787<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">729-8200<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock ($0.10 par value)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FBP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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      id="Fact_9a69f14d938d4e918559dde1bd5064b1">P.O. Box 9146</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="c20250128to20250128"
      id="Fact_7c215aa10107454aaf40312e0e5e02e1">San Juan</dei:EntityAddressCityOrTown>
    <dei:EntityAddressCountry
      contextRef="c20250128to20250128"
      id="Fact_2f13f1c8d5c3471096175a31f08f19f6">PR</dei:EntityAddressCountry>
    <dei:EntityAddressPostalZipCode
      contextRef="c20250128to20250128"
      id="Fact_3f0730c0f7004d46bd738e5a66ef2074">00908-0146</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20250128to20250128"
      id="Fact_cbc2180a460345f9a7587631c938ce31">787</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20250128to20250128"
      id="Fact_23f53a77d9ab4c1d953d239e47fccf56">729-8200</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20250128to20250128"
      id="Fact_08362af1ccc04cd88a815bd315b43863">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20250128to20250128"
      id="Fact_ec0f06c5fdab43028380012256ee6a7d">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20250128to20250128"
      id="Fact_4a8cb81256c6426db420573096c55cdd">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20250128to20250128"
      id="Fact_ca8099763dd0486ba74045a830570cc6">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="c20250128to20250128"
      id="Fact_6324e8f324364afda7eef0011dd845fe">Common Stock ($0.10 par value)</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20250128to20250128"
      id="Fact_105cff92a80944db824328840547d8d1">FBP</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20250128to20250128"
      id="Fact_b97af29bb988463ab348ddd58094db2b">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20250128to20250128"
      id="Fact_d23879d682e54668ba1a515d274e9a0c">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
