CEO and Chairman with 21-year tenure; OFG's 3-year total return of 55% outperforms the peer group median by +21.3 percentage points, well below the 50-point threshold required to trigger a vote against, and attendance is perfect at 100%.

Independent director since 2014 with franchise business leadership experience; 100% board and committee attendance and no overboarding or other policy flags.

Independent Lead Director since 2016 with 30 years of investment banking experience and financial expertise; 100% attendance across all committees and no policy flags triggered.

Independent director since 2021 with extensive private equity, CFO, and public-board experience; 100% attendance and no overboarding or other policy concerns, though stock ownership is still building toward the required minimum (within allowed ramp-up period).

Independent director since October 2024 — less than 24 months of tenure — and is therefore exempt from the TSR performance trigger; brings relevant CEO and legal experience from insurance and healthcare industries with 100% attendance.

Independent director since October 2024 — less than 24 months of tenure — and is therefore exempt from the TSR performance trigger; brings valuable cybersecurity and technology expertise with 100% attendance.

Independent director since 2019 with deep financial services and risk management background; 100% attendance and stock ownership well above required minimum, with no policy flags triggered.

Independent director since April 2023; under 24 months of tenure as of the policy's cutoff, and with 100% attendance and relevant management experience, no policy flags are triggered.

Independent director since October 2021 with accounting and private equity background serving as Audit Committee Chair; 100% attendance and stock ownership exceeds requirements, with no policy flags triggered.