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1793289 1627082 5267672 4659024 7060961 6520820 430552 28089 192696087 164421743 20898587 4451778 25350365 477346 8858339 3463398 418878 12740615 38568326 10151915 142067 10293982 28274344 164421743 192696087 <div id="TextBlockContainer2" style="position:relative;line-height:normal;width:751px;height:845px;"><div id="TextContainer2" style="position:relative;width:751px;z-index:1;font-size:13.28px;"><div id="a570_1_24" style="position:absolute;font-family:'Arial';font-weight:bold;left:31px;top:0px;">Description<div style="display:inline-block;width:2px;white-space:pre"> </div>of the Plan </div><div id="a574" style="position:absolute;font-family:'Arial';font-weight:bold;left:41px;top:31px;">Reporting Entity </div><div id="a577" style="position:absolute;font-family:'Arial';left:41px;top:61px;letter-spacing:-0.17px;">The<div style="display:inline-block;width:6px;white-space:pre"> </div>accompanying<div style="display:inline-block;width:6px;white-space:pre"> </div>financial<div style="display:inline-block;width:6px;white-space:pre"> </div>statements<div style="display:inline-block;width:6px;white-space:pre"> </div>include<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>assets<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>The<div style="display:inline-block;width:6px;white-space:pre"> </div>FirstBank<div style="display:inline-block;width:6px;white-space:pre"> </div>401(k)<div style="display:inline-block;width:6px;white-space:pre"> </div>Retirement<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>Residents<div style="display:inline-block;width:6px;white-space:pre"> </div>of </div><div id="a578" style="position:absolute;font-family:'Arial';left:41px;top:77px;letter-spacing:-0.17px;">Puerto<div style="display:inline-block;width:7px;white-space:pre"> </div>Rico<div style="display:inline-block;width:6px;white-space:pre"> </div>(the<div style="display:inline-block;width:7px;white-space:pre"> </div>“Plan”)<div style="display:inline-block;width:6px;white-space:pre"> </div>sponsored<div style="display:inline-block;width:7px;white-space:pre"> </div>by<div style="display:inline-block;width:7px;white-space:pre"> </div>FirstBank<div style="display:inline-block;width:7px;white-space:pre"> </div>Puerto<div style="display:inline-block;width:7px;white-space:pre"> </div>Rico<div style="display:inline-block;width:7px;white-space:pre"> </div>(the<div style="display:inline-block;width:6px;white-space:pre"> </div>“Bank”)<div style="display:inline-block;width:7px;white-space:pre"> </div>for<div style="display:inline-block;width:7px;white-space:pre"> </div>its<div style="display:inline-block;width:7px;white-space:pre"> </div>Puerto<div style="display:inline-block;width:7px;white-space:pre"> </div>Rico<div style="display:inline-block;width:7px;white-space:pre"> </div>employees<div style="display:inline-block;width:6px;white-space:pre"> </div>only.<div style="display:inline-block;width:7px;white-space:pre"> </div>The </div><div id="a579" style="position:absolute;font-family:'Arial';left:41px;top:92px;letter-spacing:-0.18px;">following description<div style="display:inline-block;width:5px;white-space:pre"> </div>of the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan provides<div style="display:inline-block;width:5px;white-space:pre"> </div>only general<div style="display:inline-block;width:5px;white-space:pre"> </div>information. Participants<div style="display:inline-block;width:5px;white-space:pre"> </div>should refer<div style="display:inline-block;width:5px;white-space:pre"> </div>to the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan agreement<div style="display:inline-block;width:5px;white-space:pre"> </div>for a </div><div id="a580" style="position:absolute;font-family:'Arial';left:41px;top:107px;letter-spacing:-0.17px;">complete description of the Plan’s provisions. </div><div id="a583" style="position:absolute;font-family:'Arial';font-weight:bold;left:41px;top:138px;">General </div><div id="a586" style="position:absolute;font-family:'Arial';left:41px;top:169px;letter-spacing:-0.18px;">The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>is<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>defined<div style="display:inline-block;width:6px;white-space:pre"> </div>contribution<div style="display:inline-block;width:6px;white-space:pre"> </div>plan,<div style="display:inline-block;width:6px;white-space:pre"> </div>which<div style="display:inline-block;width:6px;white-space:pre"> </div>became<div style="display:inline-block;width:6px;white-space:pre"> </div>effective<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>1965,<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>amended<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>1977,<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>comply<div style="display:inline-block;width:6px;white-space:pre"> </div>with<div style="display:inline-block;width:6px;white-space:pre"> </div>the </div><div id="a587" style="position:absolute;font-family:'Arial';left:41px;top:184px;letter-spacing:-0.18px;">requirements of<div style="display:inline-block;width:6px;white-space:pre"> </div>the Employee<div style="display:inline-block;width:6px;white-space:pre"> </div>Retirement Income<div style="display:inline-block;width:6px;white-space:pre"> </div>Security Act<div style="display:inline-block;width:6px;white-space:pre"> </div>of 1974,<div style="display:inline-block;width:6px;white-space:pre"> </div>as amended<div style="display:inline-block;width:6px;white-space:pre"> </div>(ERISA). Accordingly,<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>is </div><div id="a588" style="position:absolute;font-family:'Arial';left:41px;top:199px;letter-spacing:-0.18px;">subject to the provisions of ERISA. Effective September 1, 1991, the Plan was further amended to become a savings plan </div><div id="a589" style="position:absolute;font-family:'Arial';left:41px;top:215px;letter-spacing:-0.17px;">under the provisions<div style="display:inline-block;width:5px;white-space:pre"> </div>of the Puerto<div style="display:inline-block;width:5px;white-space:pre"> </div>Rico Internal Revenue<div style="display:inline-block;width:5px;white-space:pre"> </div>Code, as amended<div style="display:inline-block;width:5px;white-space:pre"> </div>(the “PR Code”).<div style="display:inline-block;width:5px;white-space:pre"> </div>The Plan was<div style="display:inline-block;width:5px;white-space:pre"> </div>created for </div><div id="a590" style="position:absolute;font-family:'Arial';left:41px;top:230px;letter-spacing:-0.17px;">the purpose of providing retirement benefits to employees<div style="display:inline-block;width:2px;white-space:pre"> </div>and to encourage and assist them in adopting<div style="display:inline-block;width:2px;white-space:pre"> </div>a regular savings </div><div id="a591" style="position:absolute;font-family:'Arial';left:41px;top:245px;letter-spacing:-0.18px;">plan that qualifies under the applicable laws of the<div style="display:inline-block;width:2px;white-space:pre"> </div>Commonwealth of Puerto Rico.<div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a594" style="position:absolute;font-family:'Arial';font-weight:bold;left:41px;top:276px;">Eligibility </div><div id="a597" style="position:absolute;font-family:'Arial';left:41px;top:307px;letter-spacing:-0.17px;">Effective March 1, 2025, eligible employees of the Bank<div style="display:inline-block;width:5px;white-space:pre"> </div>and its wholly owned Puerto Rico subsidiaries became eligible to </div><div id="a598" style="position:absolute;font-family:'Arial';left:41px;top:322px;letter-spacing:-0.17px;">participate in the Plan’s matching, qualified matching, and<div style="display:inline-block;width:2px;white-space:pre"> </div>qualified non-elective contribution components upon completion </div><div id="a601" style="position:absolute;font-family:'Arial';left:41px;top:337px;letter-spacing:-0.18px;">of </div><div id="a601_3_12" style="position:absolute;font-family:'Arial';left:56px;top:337px;letter-spacing:-0.18px;">three months</div><div id="a601_15_74" style="position:absolute;font-family:'Arial';left:131px;top:337px;letter-spacing:-0.18px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>of service. Prior to this date, such employees were required<div style="display:inline-block;width:5px;white-space:pre"> </div>to complete </div><div id="a601_89_8" style="position:absolute;font-family:'Arial';left:551px;top:337px;letter-spacing:-0.18px;">one year</div><div id="a601_97_27" style="position:absolute;font-family:'Arial';left:601px;top:337px;letter-spacing:-0.18px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>of service to be eligible </div><div id="a607" style="position:absolute;font-family:'Arial';left:41px;top:353px;letter-spacing:-0.17px;">to participate. </div><div id="a609" style="position:absolute;font-family:'Arial';left:41px;top:368px;"><div style="display:inline-block;width:4px;white-space:pre"> </div></div><div id="a611" style="position:absolute;font-family:'Arial';left:41px;top:383px;letter-spacing:-0.17px;">Eligible<div style="display:inline-block;width:7px;white-space:pre"> </div>employees<div style="display:inline-block;width:7px;white-space:pre"> </div>who<div style="display:inline-block;width:7px;white-space:pre"> </div>fail<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>initiate<div style="display:inline-block;width:7px;white-space:pre"> </div>elective<div style="display:inline-block;width:7px;white-space:pre"> </div>deferral<div style="display:inline-block;width:7px;white-space:pre"> </div>contributions<div style="display:inline-block;width:7px;white-space:pre"> </div>upon<div style="display:inline-block;width:7px;white-space:pre"> </div>completing </div><div id="a611_88_12" style="position:absolute;font-family:'Arial';left:565px;top:383px;letter-spacing:-0.17px;">three months</div><div id="a611_100_16" style="position:absolute;font-family:'Arial';left:645px;top:383px;letter-spacing:-0.17px;"><div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>service<div style="display:inline-block;width:7px;white-space:pre"> </div>are </div><div id="a615" style="position:absolute;font-family:'Arial';left:41px;top:399px;letter-spacing:-0.17px;">automatically enrolled<div style="display:inline-block;width:5px;white-space:pre"> </div>in the Plan,<div style="display:inline-block;width:6px;white-space:pre"> </div>unless they elect<div style="display:inline-block;width:6px;white-space:pre"> </div>to waive participation<div style="display:inline-block;width:6px;white-space:pre"> </div>in the Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>by completing such<div style="display:inline-block;width:6px;white-space:pre"> </div>waiver at least </div><div id="a621" style="position:absolute;font-family:'Arial';left:41px;top:414px;letter-spacing:-0.18px;">30 days</div><div id="a621_7_108" style="position:absolute;font-family:'Arial';left:88px;top:414px;letter-spacing:-0.18px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>before<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>enrollment<div style="display:inline-block;width:5px;white-space:pre"> </div>date.<div style="display:inline-block;width:5px;white-space:pre"> </div>If<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>employee<div style="display:inline-block;width:5px;white-space:pre"> </div>does<div style="display:inline-block;width:5px;white-space:pre"> </div>not<div style="display:inline-block;width:5px;white-space:pre"> </div>complete<div style="display:inline-block;width:6px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>waiver<div style="display:inline-block;width:5px;white-space:pre"> </div>within<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>mentioned<div style="display:inline-block;width:5px;white-space:pre"> </div>period,<div style="display:inline-block;width:5px;white-space:pre"> </div>the </div><div id="a625" style="position:absolute;font-family:'Arial';left:41px;top:429px;letter-spacing:-0.17px;">employee<div style="display:inline-block;width:6px;white-space:pre"> </div>will<div style="display:inline-block;width:6px;white-space:pre"> </div>be<div style="display:inline-block;width:6px;white-space:pre"> </div>automatically<div style="display:inline-block;width:6px;white-space:pre"> </div>enrolled<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan.<div style="display:inline-block;width:6px;white-space:pre"> </div>Effective<div style="display:inline-block;width:6px;white-space:pre"> </div>March<div style="display:inline-block;width:6px;white-space:pre"> </div>1,<div style="display:inline-block;width:6px;white-space:pre"> </div>2025,<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>automatic<div style="display:inline-block;width:6px;white-space:pre"> </div>enrollment<div style="display:inline-block;width:6px;white-space:pre"> </div>initial<div style="display:inline-block;width:6px;white-space:pre"> </div>pre-tax </div><div id="a628" style="position:absolute;font-family:'Arial';left:41px;top:445px;letter-spacing:-0.18px;">contribution is equivalent to </div><div id="a628_30_1" style="position:absolute;font-family:'Arial';left:201px;top:445px;letter-spacing:-0.18px;">3</div><div id="a628_31_63" style="position:absolute;font-family:'Arial';left:208px;top:445px;letter-spacing:-0.18px;">% of his/her period eligible compensation and will increase by </div><div id="a628_94_1" style="position:absolute;font-family:'Arial';left:564px;top:445px;letter-spacing:-0.18px;">1</div><div id="a628_95_27" style="position:absolute;font-family:'Arial';left:571px;top:445px;letter-spacing:-0.18px;">% per year up to a maximum </div><div id="a633" style="position:absolute;font-family:'Arial';left:41px;top:460px;">of </div><div id="a633_3_1" style="position:absolute;font-family:'Arial';left:58px;top:460px;">6</div><div id="a633_4_106" style="position:absolute;font-family:'Arial';left:66px;top:460px;">%<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>compensation as<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>beginning<div style="display:inline-block;width:5px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>each<div style="display:inline-block;width:6px;white-space:pre"> </div>subsequent<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>Year.<div style="display:inline-block;width:8px;white-space:pre"> </div>Prior<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>such<div style="display:inline-block;width:6px;white-space:pre"> </div>date,<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>automatic </div><div id="a638" style="position:absolute;font-family:'Arial';left:41px;top:475px;letter-spacing:-0.18px;">enrollment initial pre-tax contribution was equivalent to </div><div id="a638_58_1" style="position:absolute;font-family:'Arial';left:355px;top:475px;letter-spacing:-0.18px;">2</div><div id="a638_59_62" style="position:absolute;font-family:'Arial';left:362px;top:475px;letter-spacing:-0.18px;">% of eligible compensation per pay period with an increase of </div><div id="a638_121_1" style="position:absolute;font-family:'Arial';left:718px;top:475px;letter-spacing:-0.18px;">1</div><div id="a638_122_2" style="position:absolute;font-family:'Arial';left:725px;top:475px;letter-spacing:-0.18px;">% </div><div id="a641" style="position:absolute;font-family:'Arial';left:41px;top:491px;letter-spacing:-0.16px;">per year up to a maximum of </div><div id="a641_28_1" style="position:absolute;font-family:'Arial';left:210px;top:491px;letter-spacing:-0.16px;">5</div><div id="a641_29_91" style="position:absolute;font-family:'Arial';left:217px;top:491px;letter-spacing:-0.16px;">% as of the beginning of each subsequent Plan Year. Such contributions will be invested in </div><div id="a642" style="position:absolute;font-family:'Arial';left:41px;top:506px;letter-spacing:-0.18px;">a predetermined fund until subsequent election is made<div style="display:inline-block;width:2px;white-space:pre"> </div>by the participant. </div><div id="a645" style="position:absolute;font-family:'Arial';font-weight:bold;left:41px;top:537px;">Contributions </div><div id="a648" style="position:absolute;font-family:'Arial';left:5px;top:567px;letter-spacing:-0.17px;"><div style="display:inline-block;width:36px;white-space:pre"> </div>Participants are permitted to contribute up to an amount<div style="display:inline-block;width:5px;white-space:pre"> </div>not to exceed the maximum deferral amount specified by<div style="display:inline-block;width:5px;white-space:pre"> </div>the PR </div><div id="a650" style="position:absolute;font-family:'Arial';left:41px;top:583px;letter-spacing:-0.18px;">Code<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:8px;white-space:pre"> </div>$</div><div id="a650_9_6" style="position:absolute;font-family:'Arial';left:106px;top:583px;letter-spacing:-0.18px;">15,000</div><div id="a650_15_91" style="position:absolute;font-family:'Arial';left:145px;top:583px;letter-spacing:-0.18px;"><div style="display:inline-block;width:8px;white-space:pre"> </div>for<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>tax<div style="display:inline-block;width:8px;white-space:pre"> </div>year<div style="display:inline-block;width:8px;white-space:pre"> </div>ended<div style="display:inline-block;width:8px;white-space:pre"> </div>December<div style="display:inline-block;width:8px;white-space:pre"> </div>31,<div style="display:inline-block;width:8px;white-space:pre"> </div>2025.<div style="display:inline-block;width:8px;white-space:pre"> </div>Nonetheless,<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>participant<div style="display:inline-block;width:8px;white-space:pre"> </div>may<div style="display:inline-block;width:8px;white-space:pre"> </div>make<div style="display:inline-block;width:8px;white-space:pre"> </div>voluntary </div><div id="a653" style="position:absolute;font-family:'Arial';left:41px;top:598px;letter-spacing:-0.17px;">contributions<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>on<div style="display:inline-block;width:6px;white-space:pre"> </div>an<div style="display:inline-block;width:6px;white-space:pre"> </div>after-tax<div style="display:inline-block;width:6px;white-space:pre"> </div>basis<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>up<div style="display:inline-block;width:6px;white-space:pre"> </div>to </div><div id="a653_57_2" style="position:absolute;font-family:'Arial';left:379px;top:598px;letter-spacing:-0.17px;">10</div><div id="a653_59_57" style="position:absolute;font-family:'Arial';left:393px;top:598px;letter-spacing:-0.17px;">%<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>their<div style="display:inline-block;width:6px;white-space:pre"> </div>eligible<div style="display:inline-block;width:6px;white-space:pre"> </div>compensation.<div style="display:inline-block;width:6px;white-space:pre"> </div>The<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank<div style="display:inline-block;width:6px;white-space:pre"> </div>contributes<div style="display:inline-block;width:6px;white-space:pre"> </div>a </div><div id="a660" style="position:absolute;font-family:'Arial';left:41px;top:613px;letter-spacing:-0.18px;">matching<div style="display:inline-block;width:6px;white-space:pre"> </div>contribution<div style="display:inline-block;width:6px;white-space:pre"> </div>of </div><div id="a660_25_11" style="position:absolute;font-family:'Arial';left:188px;top:613px;letter-spacing:-0.18px;-sec-ix-hidden:ID_201;">fifty cents</div><div id="a660_36_34" style="position:absolute;font-family:'Arial';left:244px;top:613px;letter-spacing:-0.18px;"><div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>every<div style="display:inline-block;width:6px;white-space:pre"> </div>dollar<div style="display:inline-block;width:6px;white-space:pre"> </div>up<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>first </div><div id="a660_70_1" style="position:absolute;font-family:'Arial';left:432px;top:613px;letter-spacing:-0.18px;">6</div><div id="a660_71_52" style="position:absolute;font-family:'Arial';left:439px;top:613px;letter-spacing:-0.18px;">%<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>participants’<div style="display:inline-block;width:6px;white-space:pre"> </div>eligible<div style="display:inline-block;width:6px;white-space:pre"> </div>compensation<div style="display:inline-block;width:6px;white-space:pre"> </div>that<div style="display:inline-block;width:6px;white-space:pre"> </div>a </div><div id="a661" style="position:absolute;font-family:'Arial';left:41px;top:629px;letter-spacing:-0.18px;">participant contributes to the Plan on a pre-tax basis. The Bank’s<div style="display:inline-block;width:5px;white-space:pre"> </div>matching contribution of </div><div id="a661_92_11" style="position:absolute;font-family:'Arial';left:557px;top:629px;letter-spacing:-0.18px;-sec-ix-hidden:ID_201A;">fifty cents</div><div id="a661_103_25" style="position:absolute;font-family:'Arial';left:612px;top:629px;letter-spacing:-0.18px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>for every dollar of the </div><div id="a664" style="position:absolute;font-family:'Arial';left:41px;top:644px;letter-spacing:-0.18px;">employee’s contribution<div style="display:inline-block;width:6px;white-space:pre"> </div>is comprised<div style="display:inline-block;width:6px;white-space:pre"> </div>of: (i) </div><div id="a664_45_11" style="position:absolute;font-family:'Arial';left:295px;top:644px;letter-spacing:-0.18px;-sec-ix-hidden:ID_202;">twenty-five</div><div id="a664_56_61" style="position:absolute;font-family:'Arial';left:356px;top:644px;letter-spacing:-0.18px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>cents for<div style="display:inline-block;width:6px;white-space:pre"> </div>every dollar<div style="display:inline-block;width:6px;white-space:pre"> </div>of the<div style="display:inline-block;width:6px;white-space:pre"> </div>employee’s contribution<div style="display:inline-block;width:6px;white-space:pre"> </div>up to </div><div id="a664_117_1" style="position:absolute;font-family:'Arial';left:703px;top:644px;letter-spacing:-0.18px;">6</div><div id="a664_118_5" style="position:absolute;font-family:'Arial';left:710px;top:644px;letter-spacing:-0.18px;">% of </div><div id="a669" style="position:absolute;font-family:'Arial';left:41px;top:659px;letter-spacing:-0.17px;">the employee’s eligible compensation to be paid to the Plan as of each bi-weekly payroll; and, (ii) an additional </div><div id="a669_114_11" style="position:absolute;font-family:'Arial';left:676px;top:659px;letter-spacing:-0.17px;-sec-ix-hidden:ID_203;">twenty-five</div><div id="a676" style="position:absolute;font-family:'Arial';left:41px;top:675px;letter-spacing:-0.17px;">cents for every dollar of the employee’s contribution up<div style="display:inline-block;width:5px;white-space:pre"> </div>to </div><div id="a676_60_1" style="position:absolute;font-family:'Arial';left:374px;top:675px;letter-spacing:-0.17px;">6</div><div id="a676_61_61" style="position:absolute;font-family:'Arial';left:381px;top:675px;letter-spacing:-0.17px;">% of the employee’s eligible compensation to be deposited<div style="display:inline-block;width:5px;white-space:pre"> </div>as </div><div id="a677" style="position:absolute;font-family:'Arial';left:41px;top:690px;letter-spacing:-0.15px;">a lump sum subsequent to the Plan Year. These are called 401(k) Matching Contributions and 401(k) Additional Matching </div><div id="a678" style="position:absolute;font-family:'Arial';left:41px;top:705px;letter-spacing:-0.17px;">Contributions, respectively. In<div style="display:inline-block;width:5px;white-space:pre"> </div>addition, the Bank<div style="display:inline-block;width:5px;white-space:pre"> </div>can make a<div style="display:inline-block;width:5px;white-space:pre"> </div>true up matching<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution, which is<div style="display:inline-block;width:6px;white-space:pre"> </div>to be determined<div style="display:inline-block;width:6px;white-space:pre"> </div>at </div><div id="a679" style="position:absolute;font-family:'Arial';left:41px;top:721px;letter-spacing:-0.17px;">the end of<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan Year<div style="display:inline-block;width:6px;white-space:pre"> </div>to ensure that<div style="display:inline-block;width:5px;white-space:pre"> </div>plan participants will<div style="display:inline-block;width:6px;white-space:pre"> </div>receive the maximum<div style="display:inline-block;width:6px;white-space:pre"> </div>contribution allowed by<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan. The </div><div id="a680" style="position:absolute;font-family:'Arial';left:41px;top:736px;letter-spacing:-0.17px;">true up matching<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution will be<div style="display:inline-block;width:5px;white-space:pre"> </div>deposited subsequent to<div style="display:inline-block;width:5px;white-space:pre"> </div>the Plan Year<div style="display:inline-block;width:5px;white-space:pre"> </div>and a participant must<div style="display:inline-block;width:5px;white-space:pre"> </div>be actively employed </div><div id="a681" style="position:absolute;font-family:'Arial';left:41px;top:751px;letter-spacing:-0.16px;">by the Bank at the end of the<div style="display:inline-block;width:2px;white-space:pre"> </div>Plan Year in order to receive such contribution. </div><div id="a683" style="position:absolute;font-family:'Arial';left:5px;top:767px;"><div style="display:inline-block;width:35px;white-space:pre"> </div></div><div id="a685" style="position:absolute;font-family:'Arial';left:5px;top:782px;letter-spacing:-0.17px;"><div style="display:inline-block;width:36px;white-space:pre"> </div>Investment of participants’ and employer’s contributions are<div style="display:inline-block;width:2px;white-space:pre"> </div>directed by participants into various investment options, which </div><div id="a687" style="position:absolute;font-family:'Arial';left:41px;top:797px;letter-spacing:-0.16px;">include several<div style="display:inline-block;width:5px;white-space:pre"> </div>mutual funds<div style="display:inline-block;width:5px;white-space:pre"> </div>and the<div style="display:inline-block;width:5px;white-space:pre"> </div>common stock<div style="display:inline-block;width:5px;white-space:pre"> </div>of First<div style="display:inline-block;width:5px;white-space:pre"> </div>BanCorp., the<div style="display:inline-block;width:5px;white-space:pre"> </div>Bank’s parent<div style="display:inline-block;width:5px;white-space:pre"> </div>company. The<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan allows<div style="display:inline-block;width:5px;white-space:pre"> </div>for </div><div id="a688" style="position:absolute;font-family:'Arial';left:41px;top:813px;letter-spacing:-0.18px;">rollover contributions from other qualified plans.<div style="display:inline-block;width:3px;white-space:pre"> </div></div></div></div><div id="TextBlockContainer5" style="position:relative;line-height:normal;width:739px;height:262px;"><div style="position:absolute; width:724px; height:1px; left:3.1px; top:-16.2px; background-color:#000000; "> </div> <div id="TextContainer5" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a701" style="position:absolute;font-family:'Arial';left:29px;top:0px;letter-spacing:-0.17px;">Participants with an age of<div style="display:inline-block;width:5px;white-space:pre"> </div>50 or older are permitted<div style="display:inline-block;width:5px;white-space:pre"> </div>to make an additional $</div><div id="a701_77_5" style="position:absolute;font-family:'Arial';left:468px;top:0px;letter-spacing:-0.17px;">1,500</div><div id="a701_82_41" style="position:absolute;font-family:'Arial';left:500px;top:0px;letter-spacing:-0.17px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>pre-tax contribution for the year ended </div><div id="a706" style="position:absolute;font-family:'Arial';left:29px;top:15px;letter-spacing:-0.17px;">December 31, 2025 after contributing the Plan<div style="display:inline-block;width:2px;white-space:pre"> </div>limit of $</div><div id="a706_56_6" style="position:absolute;font-family:'Arial';left:344px;top:15px;letter-spacing:-0.17px;">15,000</div><div id="a706_62_39" style="position:absolute;font-family:'Arial';left:384px;top:15px;letter-spacing:-0.17px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>of their pre-tax annual compensation. </div><div id="a715" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:61px;">Participant Accounts </div><div id="a718" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.16px;">Each participant’s<div style="display:inline-block;width:6px;white-space:pre"> </div>account is<div style="display:inline-block;width:6px;white-space:pre"> </div>credited with<div style="display:inline-block;width:6px;white-space:pre"> </div>the participant’s<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions and<div style="display:inline-block;width:6px;white-space:pre"> </div>allocations of<div style="display:inline-block;width:6px;white-space:pre"> </div>the Bank’s<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions and </div><div id="a719" style="position:absolute;font-family:'Arial';left:29px;top:107px;letter-spacing:-0.16px;">Plan earnings.<div style="display:inline-block;width:6px;white-space:pre"> </div>Allocations are<div style="display:inline-block;width:6px;white-space:pre"> </div>based on<div style="display:inline-block;width:6px;white-space:pre"> </div>the participant’s<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions in<div style="display:inline-block;width:6px;white-space:pre"> </div>the case<div style="display:inline-block;width:6px;white-space:pre"> </div>of matching<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions, or<div style="display:inline-block;width:6px;white-space:pre"> </div>account </div><div id="a720" style="position:absolute;font-family:'Arial';left:29px;top:123px;letter-spacing:-0.17px;">balances in each investment option in the case of plan earnings. The benefit to which a participant is entitled is the benefit </div><div id="a722" style="position:absolute;font-family:'Arial';left:29px;top:138px;letter-spacing:-0.18px;">that can<div style="display:inline-block;width:6px;white-space:pre"> </div>be provided<div style="display:inline-block;width:6px;white-space:pre"> </div>from the<div style="display:inline-block;width:6px;white-space:pre"> </div>participant’s vested<div style="display:inline-block;width:6px;white-space:pre"> </div>account. Certain<div style="display:inline-block;width:6px;white-space:pre"> </div>administrative expenses<div style="display:inline-block;width:6px;white-space:pre"> </div>directly associated<div style="display:inline-block;width:6px;white-space:pre"> </div>with the </div><div id="a723" style="position:absolute;font-family:'Arial';left:29px;top:153px;letter-spacing:-0.18px;">Plan are paid using the Plan assets and<div style="display:inline-block;width:2px;white-space:pre"> </div>then the expenses are allocated among all participants<div style="display:inline-block;width:2px;white-space:pre"> </div>accounts. </div><div id="a726" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:184px;">Vesting </div><div id="a729" style="position:absolute;font-family:'Arial';left:29px;top:215px;letter-spacing:-0.18px;">Participants<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>immediately<div style="display:inline-block;width:6px;white-space:pre"> </div>vested<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>their<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>401(k)<div style="display:inline-block;width:6px;white-space:pre"> </div>Matching<div style="display:inline-block;width:6px;white-space:pre"> </div>Contributions<div style="display:inline-block;width:6px;white-space:pre"> </div>plus<div style="display:inline-block;width:6px;white-space:pre"> </div>actual<div style="display:inline-block;width:6px;white-space:pre"> </div>earnings </div><div id="a730" style="position:absolute;font-family:'Arial';left:29px;top:230px;letter-spacing:-0.19px;">thereon.<div style="display:inline-block;width:5px;white-space:pre"> </div>The<div style="display:inline-block;width:5px;white-space:pre"> </div>401(k)<div style="display:inline-block;width:5px;white-space:pre"> </div>Additional<div style="display:inline-block;width:5px;white-space:pre"> </div>Matching<div style="display:inline-block;width:5px;white-space:pre"> </div>Contribution<div style="display:inline-block;width:5px;white-space:pre"> </div>is<div style="display:inline-block;width:5px;white-space:pre"> </div>subject<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>completion<div style="display:inline-block;width:5px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>at<div style="display:inline-block;width:5px;white-space:pre"> </div>least </div><div id="a730_94_11" style="position:absolute;font-family:'Arial';left:577px;top:230px;letter-spacing:-0.19px;">three years</div><div id="a730_105_16" style="position:absolute;font-family:'Arial';left:643px;top:230px;letter-spacing:-0.19px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>service<div style="display:inline-block;width:5px;white-space:pre"> </div>for </div><div id="a731" style="position:absolute;font-family:'Arial';left:29px;top:245px;">vesting.</div></div></div><div id="TextBlockContainer8" style="position:relative;line-height:normal;width:739px;height:585px;"><div id="TextContainer8" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a734" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Notes receivable from Participants </div><div id="a737" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.18px;">The Plan allows participants and<div style="display:inline-block;width:5px;white-space:pre"> </div>their beneficiaries to borrow from<div style="display:inline-block;width:5px;white-space:pre"> </div>their accounts a minimum of<div style="display:inline-block;width:5px;white-space:pre"> </div>$1,000 up to a<div style="display:inline-block;width:5px;white-space:pre"> </div>maximum </div><div id="a738" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.17px;">equal to the lesser of<div style="display:inline-block;width:5px;white-space:pre"> </div>50% of the participant’s vested<div style="display:inline-block;width:5px;white-space:pre"> </div>account balance or $50,000. A<div style="display:inline-block;width:5px;white-space:pre"> </div>maximum of one loan outstanding<div style="display:inline-block;width:5px;white-space:pre"> </div>is </div><div id="a739" style="position:absolute;font-family:'Arial';left:29px;top:61px;letter-spacing:-0.18px;">permitted at<div style="display:inline-block;width:6px;white-space:pre"> </div>any time,<div style="display:inline-block;width:6px;white-space:pre"> </div>except for<div style="display:inline-block;width:6px;white-space:pre"> </div>participants with<div style="display:inline-block;width:6px;white-space:pre"> </div>two outstanding<div style="display:inline-block;width:5px;white-space:pre"> </div>loans under<div style="display:inline-block;width:6px;white-space:pre"> </div>the Santander<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan that<div style="display:inline-block;width:6px;white-space:pre"> </div>merged into<div style="display:inline-block;width:6px;white-space:pre"> </div>the </div><div id="a741" style="position:absolute;font-family:'Arial';left:29px;top:77px;letter-spacing:-0.17px;">Plan effective on December 31, 2020. Interest rates on loans are generally calculated based on the prime rate plus </div><div id="a741_115_1" style="position:absolute;font-family:'Arial';left:689px;top:77px;letter-spacing:-0.17px;">2</div><div id="a741_116_5" style="position:absolute;font-family:'Arial';left:696px;top:77px;letter-spacing:-0.17px;">% as </div><div id="a744" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.17px;">of the<div style="display:inline-block;width:5px;white-space:pre"> </div>date the<div style="display:inline-block;width:5px;white-space:pre"> </div>loan is<div style="display:inline-block;width:5px;white-space:pre"> </div>granted. As<div style="display:inline-block;width:5px;white-space:pre"> </div>of December<div style="display:inline-block;width:5px;white-space:pre"> </div>31, 2025<div style="display:inline-block;width:5px;white-space:pre"> </div>and 2024,<div style="display:inline-block;width:5px;white-space:pre"> </div>the loans<div style="display:inline-block;width:5px;white-space:pre"> </div>had interest<div style="display:inline-block;width:5px;white-space:pre"> </div>rates ranging<div style="display:inline-block;width:5px;white-space:pre"> </div>from </div><div id="a744_109_4" style="position:absolute;font-family:'Arial';left:673px;top:92px;letter-spacing:-0.17px;">5.25</div><div id="a744_113_5" style="position:absolute;font-family:'Arial';left:698px;top:92px;letter-spacing:-0.17px;">% to </div><div id="a750" style="position:absolute;font-family:'Arial';left:29px;top:107px;letter-spacing:-0.17px;">10.50</div><div id="a750_5_118" style="position:absolute;font-family:'Arial';left:61px;top:107px;letter-spacing:-0.17px;">%.<div style="display:inline-block;width:7px;white-space:pre"> </div>Principal and interest are paid to the Plan ratably<div style="display:inline-block;width:5px;white-space:pre"> </div>through biweekly payroll deductions. The loans have a term of </div><div id="a754" style="position:absolute;font-family:'Arial';left:29px;top:123px;letter-spacing:-0.19px;">repayment<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>up<div style="display:inline-block;width:6px;white-space:pre"> </div>to </div><div id="a754_19_10" style="position:absolute;font-family:'Arial';left:151px;top:123px;letter-spacing:-0.19px;">five years</div><div id="a754_29_84" style="position:absolute;font-family:'Arial';left:209px;top:123px;letter-spacing:-0.19px;">.<div style="display:inline-block;width:6px;white-space:pre"> </div>The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>Administrator<div style="display:inline-block;width:6px;white-space:pre"> </div>may<div style="display:inline-block;width:6px;white-space:pre"> </div>fix<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>term<div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>repayment<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>home<div style="display:inline-block;width:6px;white-space:pre"> </div>loan<div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>period </div><div id="a757" style="position:absolute;font-family:'Arial';left:29px;top:138px;letter-spacing:-0.17px;">exceeding </div><div id="a757_10_10" style="position:absolute;font-family:'Arial';left:92px;top:138px;letter-spacing:-0.17px;">five years</div><div id="a757_20_105" style="position:absolute;font-family:'Arial';left:147px;top:138px;letter-spacing:-0.17px;">. A home loan is a loan used<div style="display:inline-block;width:2px;white-space:pre"> </div>to acquire a dwelling unit which, within a<div style="display:inline-block;width:2px;white-space:pre"> </div>reasonable time, the participant </div><div id="a758" style="position:absolute;font-family:'Arial';left:29px;top:153px;letter-spacing:-0.17px;">will<div style="display:inline-block;width:6px;white-space:pre"> </div>use<div style="display:inline-block;width:6px;white-space:pre"> </div>as<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>principal<div style="display:inline-block;width:6px;white-space:pre"> </div>residence.<div style="display:inline-block;width:6px;white-space:pre"> </div>Loan<div style="display:inline-block;width:6px;white-space:pre"> </div>transactions<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>considered<div style="display:inline-block;width:6px;white-space:pre"> </div>transfers<div style="display:inline-block;width:6px;white-space:pre"> </div>between<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>investment<div style="display:inline-block;width:6px;white-space:pre"> </div>funds<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>the </div><div id="a760" style="position:absolute;font-family:'Arial';left:29px;top:169px;letter-spacing:-0.17px;">Participants Loan account. These transactions are secured<div style="display:inline-block;width:2px;white-space:pre"> </div>by the balance in the participant's account. </div><div id="a763" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:199px;">Payment of Benefits </div><div id="a766" style="position:absolute;font-family:'Arial';left:29px;top:230px;">Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>participants<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>permitted<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>make<div style="display:inline-block;width:6px;white-space:pre"> </div>withdrawals<div style="display:inline-block;width:7px;white-space:pre"> </div>from<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan,<div style="display:inline-block;width:6px;white-space:pre"> </div>subject<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>provisions<div style="display:inline-block;width:7px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>agreement. </div><div id="a768" style="position:absolute;font-family:'Arial';left:29px;top:245px;">Participants may receive<div style="display:inline-block;width:5px;white-space:pre"> </div>a distribution from the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan prior to termination<div style="display:inline-block;width:5px;white-space:pre"> </div>of employment upon<div style="display:inline-block;width:5px;white-space:pre"> </div>attainment of age 59<div style="display:inline-block;width:5px;white-space:pre"> </div>½. </div><div id="a770" style="position:absolute;font-family:'Arial';left:29px;top:261px;">On termination<div style="display:inline-block;width:6px;white-space:pre"> </div>of service<div style="display:inline-block;width:6px;white-space:pre"> </div>due to<div style="display:inline-block;width:6px;white-space:pre"> </div>death, disability<div style="display:inline-block;width:6px;white-space:pre"> </div>or retirement<div style="display:inline-block;width:1px;white-space:pre"> </div>,<div style="display:inline-block;width:5px;white-space:pre"> </div>all distributions from the Plan can be made in a<div style="display:inline-block;width:5px;white-space:pre"> </div>single </div><div id="a777" style="position:absolute;font-family:'Arial';left:29px;top:276px;letter-spacing:-0.17px;">lump-sum cash<div style="display:inline-block;width:6px;white-space:pre"> </div>payment; or<div style="display:inline-block;width:6px;white-space:pre"> </div>installments payments<div style="display:inline-block;width:6px;white-space:pre"> </div>if the<div style="display:inline-block;width:6px;white-space:pre"> </div>equal value<div style="display:inline-block;width:6px;white-space:pre"> </div>is of<div style="display:inline-block;width:6px;white-space:pre"> </div>no less<div style="display:inline-block;width:6px;white-space:pre"> </div>than $</div><div id="a777_87_5" style="position:absolute;font-family:'Arial';left:553px;top:276px;letter-spacing:-0.17px;">1,000</div><div id="a777_92_24" style="position:absolute;font-family:'Arial';left:586px;top:276px;letter-spacing:-0.17px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>each over<div style="display:inline-block;width:6px;white-space:pre"> </div>a period<div style="display:inline-block;width:6px;white-space:pre"> </div>not </div><div id="a781" style="position:absolute;font-family:'Arial';left:29px;top:291px;letter-spacing:-0.18px;">exceeding the<div style="display:inline-block;width:5px;white-space:pre"> </div>life expectancy<div style="display:inline-block;width:5px;white-space:pre"> </div>of the<div style="display:inline-block;width:5px;white-space:pre"> </div>participant or<div style="display:inline-block;width:5px;white-space:pre"> </div>the participant's<div style="display:inline-block;width:5px;white-space:pre"> </div>beneficiary if<div style="display:inline-block;width:5px;white-space:pre"> </div>the participant<div style="display:inline-block;width:5px;white-space:pre"> </div>has died,<div style="display:inline-block;width:5px;white-space:pre"> </div>or a<div style="display:inline-block;width:5px;white-space:pre"> </div>period not </div><div id="a783" style="position:absolute;font-family:'Arial';left:29px;top:307px;letter-spacing:-0.17px;">exceeding the joint life and<div style="display:inline-block;width:5px;white-space:pre"> </div>last survivor expectancy of the<div style="display:inline-block;width:5px;white-space:pre"> </div>participant and his or her<div style="display:inline-block;width:5px;white-space:pre"> </div>beneficiary. If the value of<div style="display:inline-block;width:5px;white-space:pre"> </div>the vested </div><div id="a788" style="position:absolute;font-family:'Arial';left:29px;top:322px;letter-spacing:-0.19px;">account is more than $</div><div id="a788_22_5" style="position:absolute;font-family:'Arial';left:161px;top:322px;letter-spacing:-0.19px;">7,000</div><div id="a788_27_97" style="position:absolute;font-family:'Arial';left:193px;top:322px;letter-spacing:-0.19px;">, the participant may elect<div style="display:inline-block;width:5px;white-space:pre"> </div>to defer any benefit payable<div style="display:inline-block;width:5px;white-space:pre"> </div>under the Plan until a<div style="display:inline-block;width:5px;white-space:pre"> </div>specified future </div><div id="a791" style="position:absolute;font-family:'Arial';left:29px;top:337px;">date.<div style="display:inline-block;width:5px;white-space:pre"> </div>However,<div style="display:inline-block;width:7px;white-space:pre"> </div>if<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>value<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>account<div style="display:inline-block;width:6px;white-space:pre"> </div>balance<div style="display:inline-block;width:6px;white-space:pre"> </div>does<div style="display:inline-block;width:6px;white-space:pre"> </div>not<div style="display:inline-block;width:6px;white-space:pre"> </div>exceed<div style="display:inline-block;width:6px;white-space:pre"> </div>$</div><div id="a791_68_5" style="position:absolute;font-family:'Arial';left:465px;top:337px;">7,000</div><div id="a791_73_39" style="position:absolute;font-family:'Arial';left:499px;top:337px;">,<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>distribution<div style="display:inline-block;width:6px;white-space:pre"> </div>will<div style="display:inline-block;width:6px;white-space:pre"> </div>be<div style="display:inline-block;width:6px;white-space:pre"> </div>made<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the </div><div id="a795" style="position:absolute;font-family:'Arial';left:29px;top:353px;">participant,<div style="display:inline-block;width:6px;white-space:pre"> </div>regardless<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>whether<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>participant<div style="display:inline-block;width:6px;white-space:pre"> </div>consents<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>receive<div style="display:inline-block;width:6px;white-space:pre"> </div>it.<div style="display:inline-block;width:5px;white-space:pre"> </div>The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>allows<div style="display:inline-block;width:5px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>participants<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>receive </div><div id="a796" style="position:absolute;font-family:'Arial';left:29px;top:368px;">hardship distributions. </div><div id="a798" style="position:absolute;font-family:'Arial';left:29px;top:399px;">In<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>case<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>participant<div style="display:inline-block;width:7px;white-space:pre"> </div>termination<div style="display:inline-block;width:7px;white-space:pre"> </div>because<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>death,<div style="display:inline-block;width:7px;white-space:pre"> </div>all<div style="display:inline-block;width:7px;white-space:pre"> </div>amounts<div style="display:inline-block;width:7px;white-space:pre"> </div>credited<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>such<div style="display:inline-block;width:7px;white-space:pre"> </div>participant’s<div style="display:inline-block;width:7px;white-space:pre"> </div>account<div style="display:inline-block;width:7px;white-space:pre"> </div>shall </div><div id="a799" style="position:absolute;font-family:'Arial';left:29px;top:415px;">become<div style="display:inline-block;width:6px;white-space:pre"> </div>fully<div style="display:inline-block;width:6px;white-space:pre"> </div>vested<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>entire<div style="display:inline-block;width:6px;white-space:pre"> </div>amount<div style="display:inline-block;width:6px;white-space:pre"> </div>is<div style="display:inline-block;width:6px;white-space:pre"> </div>paid<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>person<div style="display:inline-block;width:6px;white-space:pre"> </div>or<div style="display:inline-block;width:6px;white-space:pre"> </div>persons<div style="display:inline-block;width:6px;white-space:pre"> </div>legally<div style="display:inline-block;width:6px;white-space:pre"> </div>entitled<div style="display:inline-block;width:6px;white-space:pre"> </div>thereto.<div style="display:inline-block;width:6px;white-space:pre"> </div>In<div style="display:inline-block;width:6px;white-space:pre"> </div>addition,<div style="display:inline-block;width:6px;white-space:pre"> </div>a </div><div id="a800" style="position:absolute;font-family:'Arial';left:29px;top:430px;">participant<div style="display:inline-block;width:7px;white-space:pre"> </div>will<div style="display:inline-block;width:6px;white-space:pre"> </div>fully<div style="display:inline-block;width:7px;white-space:pre"> </div>vest<div style="display:inline-block;width:7px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>his<div style="display:inline-block;width:6px;white-space:pre"> </div>or<div style="display:inline-block;width:6px;white-space:pre"> </div>her<div style="display:inline-block;width:6px;white-space:pre"> </div>account<div style="display:inline-block;width:7px;white-space:pre"> </div>balance<div style="display:inline-block;width:7px;white-space:pre"> </div>(including<div style="display:inline-block;width:7px;white-space:pre"> </div>401(k)<div style="display:inline-block;width:7px;white-space:pre"> </div>Additional<div style="display:inline-block;width:7px;white-space:pre"> </div>Matching<div style="display:inline-block;width:6px;white-space:pre"> </div>Contributions)<div style="display:inline-block;width:7px;white-space:pre"> </div>upon </div><div id="a801" style="position:absolute;font-family:'Arial';left:29px;top:446px;">permanent and total disability.<div style="display:inline-block;width:5px;white-space:pre"> </div></div><div id="a803" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:477px;">Plan Expenses and Administration </div><div id="a806" style="position:absolute;font-family:'Arial';left:29px;top:507px;letter-spacing:-0.17px;">Bank<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>participant<div style="display:inline-block;width:7px;white-space:pre"> </div>contributions<div style="display:inline-block;width:7px;white-space:pre"> </div>were<div style="display:inline-block;width:7px;white-space:pre"> </div>held<div style="display:inline-block;width:7px;white-space:pre"> </div>by<div style="display:inline-block;width:7px;white-space:pre"> </div>Charles<div style="display:inline-block;width:7px;white-space:pre"> </div>Schwab<div style="display:inline-block;width:7px;white-space:pre"> </div>Trust<div style="display:inline-block;width:7px;white-space:pre"> </div>Bank<div style="display:inline-block;width:6px;white-space:pre"> </div>(“Charles<div style="display:inline-block;width:7px;white-space:pre"> </div>Schwab”)<div style="display:inline-block;width:7px;white-space:pre"> </div>as<div style="display:inline-block;width:6px;white-space:pre"> </div>custodian<div style="display:inline-block;width:7px;white-space:pre"> </div>and </div><div id="a807" style="position:absolute;font-family:'Arial';left:29px;top:523px;letter-spacing:-0.17px;">managed<div style="display:inline-block;width:7px;white-space:pre"> </div>by<div style="display:inline-block;width:7px;white-space:pre"> </div>Milliman<div style="display:inline-block;width:7px;white-space:pre"> </div>USA,<div style="display:inline-block;width:7px;white-space:pre"> </div>Inc.<div style="display:inline-block;width:7px;white-space:pre"> </div>as<div style="display:inline-block;width:7px;white-space:pre"> </div>plan<div style="display:inline-block;width:7px;white-space:pre"> </div>recordkeeper,<div style="display:inline-block;width:7px;white-space:pre"> </div>both<div style="display:inline-block;width:7px;white-space:pre"> </div>appointed<div style="display:inline-block;width:7px;white-space:pre"> </div>by<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>Board<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>Directors<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>Bank.<div style="display:inline-block;width:7px;white-space:pre"> </div>The </div><div id="a808" style="position:absolute;font-family:'Arial';left:29px;top:538px;letter-spacing:-0.18px;">custodian invests cash received,<div style="display:inline-block;width:5px;white-space:pre"> </div>interest and dividend<div style="display:inline-block;width:5px;white-space:pre"> </div>income and makes<div style="display:inline-block;width:5px;white-space:pre"> </div>distributions to participants.<div style="display:inline-block;width:5px;white-space:pre"> </div>The Bank’s parent </div><div id="a809" style="position:absolute;font-family:'Arial';left:29px;top:554px;letter-spacing:-0.17px;">company<div style="display:inline-block;width:5px;white-space:pre"> </div>common<div style="display:inline-block;width:5px;white-space:pre"> </div>stock<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>is<div style="display:inline-block;width:5px;white-space:pre"> </div>held<div style="display:inline-block;width:5px;white-space:pre"> </div>by<div style="display:inline-block;width:5px;white-space:pre"> </div>State<div style="display:inline-block;width:5px;white-space:pre"> </div>Street<div style="display:inline-block;width:5px;white-space:pre"> </div>Bank<div style="display:inline-block;width:5px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>Trust<div style="display:inline-block;width:5px;white-space:pre"> </div>Company<div style="display:inline-block;width:5px;white-space:pre"> </div>(“State<div style="display:inline-block;width:5px;white-space:pre"> </div>Street”),<div style="display:inline-block;width:5px;white-space:pre"> </div>which<div style="display:inline-block;width:5px;white-space:pre"> </div>provides </div><div id="a810" style="position:absolute;font-family:'Arial';left:29px;top:569px;letter-spacing:-0.16px;">Charles Schwab with custody, fund accounting, fund administration<div style="display:inline-block;width:2px;white-space:pre"> </div>and transfer agency services. </div></div></div><div id="TextBlockContainer11" style="position:relative;line-height:normal;width:739px;height:170px;"><div style="position:absolute; width:724px; height:1px; left:3.1px; top:-16.2px; background-color:#000000; "> </div> <div id="TextContainer11" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a823" style="position:absolute;font-family:'Arial';left:29px;top:15px;">Generally,<div style="display:inline-block;width:6px;white-space:pre"> </div>recordkeeper’s<div style="display:inline-block;width:5px;white-space:pre"> </div>fees<div style="display:inline-block;width:5px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>paid<div style="display:inline-block;width:5px;white-space:pre"> </div>by<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>Bank<div style="display:inline-block;width:5px;white-space:pre"> </div>unless<div style="display:inline-block;width:5px;white-space:pre"> </div>there<div style="display:inline-block;width:5px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>forfeitures<div style="display:inline-block;width:5px;white-space:pre"> </div>available<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>offset<div style="display:inline-block;width:6px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>expenses. </div><div id="a824" style="position:absolute;font-family:'Arial';left:29px;top:31px;">For<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>year<div style="display:inline-block;width:6px;white-space:pre"> </div>ended<div style="display:inline-block;width:5px;white-space:pre"> </div>December<div style="display:inline-block;width:6px;white-space:pre"> </div>31,<div style="display:inline-block;width:6px;white-space:pre"> </div>2025,<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank<div style="display:inline-block;width:6px;white-space:pre"> </div>paid<div style="display:inline-block;width:5px;white-space:pre"> </div>on<div style="display:inline-block;width:6px;white-space:pre"> </div>behalf<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>$</div><div id="a824_75_7" style="position:absolute;font-family:'Arial';left:515px;top:31px;">243,131</div><div id="a824_82_28" style="position:absolute;font-family:'Arial';left:563px;top:31px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>administrative<div style="display:inline-block;width:6px;white-space:pre"> </div>fees<div style="display:inline-block;width:5px;white-space:pre"> </div>and </div><div id="a830" style="position:absolute;font-family:'Arial';left:29px;top:46px;">other services rendered by the plan record keeper and<div style="display:inline-block;width:5px;white-space:pre"> </div>$</div><div id="a830_55_6" style="position:absolute;font-family:'Arial';left:361px;top:46px;">31,920</div><div id="a830_61_56" style="position:absolute;font-family:'Arial';left:402px;top:46px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>for investment advisory and retirement plan consulting </div><div id="a836" style="position:absolute;font-family:'Arial';left:29px;top:61px;">to third-party consultants. Administrative expenses<div style="display:inline-block;width:5px;white-space:pre"> </div>incurred by the Plan, primarily recordkeeper’s fees<div style="display:inline-block;width:5px;white-space:pre"> </div>and custodian’s </div><div id="a842" style="position:absolute;font-family:'Arial';left:29px;top:77px;">fees, are reflected in the Plan’s financial statements. </div><div id="a845" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:107px;">Forfeitures </div><div id="a848" style="position:absolute;font-family:'Arial';left:29px;top:138px;letter-spacing:-0.17px;">Forfeited balances of<div style="display:inline-block;width:6px;white-space:pre"> </div>terminated participants’ non-vested<div style="display:inline-block;width:6px;white-space:pre"> </div>accounts are used<div style="display:inline-block;width:6px;white-space:pre"> </div>to reduce future<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank contributions or<div style="display:inline-block;width:6px;white-space:pre"> </div>used </div><div id="a851" style="position:absolute;font-family:'Arial';left:29px;top:153px;letter-spacing:-0.18px;">to cover administrative expenses of the Plan. Refer<div style="display:inline-block;width:2px;white-space:pre"> </div>to Note 7 for further detail.</div></div></div> P3M P1Y P3M P30D 0.03 0.01 0.06 0.02 0.01 0.05 15000 0.10 0.06 0.06 0.06 1500 15000 P3Y 0.02 0.0525 0.1050 P5Y P5Y 1000 7000 7000 243131 31920 <div id="TextBlockContainer29" style="position:relative;line-height:normal;width:739px;height:661px;"><div id="TextContainer29" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a857" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.17px;">2. Summary of Significant Accounting Policies </div></div><div id="div_14_XBRL_TS_e60530537d544fcd8cd9fed6f8677ae1" style="position:absolute;left:0px;top:31px;float:left;"><div id="TextBlockContainer15" style="position:relative;line-height:normal;width:738px;height:63px;"><div id="TextContainer15" style="position:relative;width:738px;z-index:1;font-size:13.28px;"><div id="a860" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Basis of Accounting </div><div id="a863" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.18px;">The accompanying financial statements have been prepared in accordance with accounting policies generally accepted in </div><div id="a864" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.17px;">the United States of America. A description of<div style="display:inline-block;width:2px;white-space:pre"> </div>the significant accounting policies of the Plan follows.</div></div></div></div><div id="TextContainer30" style="position:relative;width:739px;z-index:1;font-size:13.28px;"></div><div id="div_17_XBRL_TS_94f6653d41004a48b2a338104537cc2b" style="position:absolute;left:24px;top:107px;float:left;"><div id="TextBlockContainer18" style="position:relative;line-height:normal;width:715px;height:93px;"><div id="TextContainer18" style="position:relative;width:715px;z-index:1;font-size:13.28px;"><div id="a867" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Use of Estimates </div><div id="a870" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.18px;">The preparation of financial statements in conformity with generally accepted accounting principles<div style="display:inline-block;width:5px;white-space:pre"> </div>in the United States of </div><div id="a871" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.18px;">America<div style="display:inline-block;width:7px;white-space:pre"> </div>requires<div style="display:inline-block;width:7px;white-space:pre"> </div>management<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>make<div style="display:inline-block;width:7px;white-space:pre"> </div>estimates<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>assumptions<div style="display:inline-block;width:7px;white-space:pre"> </div>that<div style="display:inline-block;width:7px;white-space:pre"> </div>affect<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>reported<div style="display:inline-block;width:7px;white-space:pre"> </div>amounts<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>net<div style="display:inline-block;width:7px;white-space:pre"> </div>assets </div><div id="a872" style="position:absolute;font-family:'Arial';left:5px;top:61px;letter-spacing:-0.17px;">available for<div style="display:inline-block;width:6px;white-space:pre"> </div>benefits, and<div style="display:inline-block;width:6px;white-space:pre"> </div>changes therein,<div style="display:inline-block;width:6px;white-space:pre"> </div>and disclosure<div style="display:inline-block;width:6px;white-space:pre"> </div>of contingent<div style="display:inline-block;width:6px;white-space:pre"> </div>assets and<div style="display:inline-block;width:6px;white-space:pre"> </div>liabilities. Actual<div style="display:inline-block;width:6px;white-space:pre"> </div>results could<div style="display:inline-block;width:6px;white-space:pre"> </div>differ </div><div id="a874" style="position:absolute;font-family:'Arial';left:5px;top:77px;letter-spacing:-0.18px;">from those estimates.</div></div></div></div><div id="TextContainer31" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a876" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:199px;"><div style="display:inline-block;width:33px;white-space:pre"> </div></div></div><div id="div_20_XBRL_TS_a7cc1e59d95f478a831af0e5e0c40d3c" style="position:absolute;left:0px;top:215px;float:left;"><div id="TextBlockContainer21" style="position:relative;line-height:normal;width:739px;height:109px;"><div id="TextContainer21" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a878" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Contributions </div><div id="a881" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.18px;">Employee<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>period<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>which<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank<div style="display:inline-block;width:6px;white-space:pre"> </div>makes<div style="display:inline-block;width:6px;white-space:pre"> </div>payroll<div style="display:inline-block;width:6px;white-space:pre"> </div>deductions<div style="display:inline-block;width:6px;white-space:pre"> </div>from<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>participants' </div><div id="a882" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.17px;">compensation.<div style="display:inline-block;width:7px;white-space:pre"> </div>The<div style="display:inline-block;width:7px;white-space:pre"> </div>Bank’s<div style="display:inline-block;width:7px;white-space:pre"> </div>Matching<div style="display:inline-block;width:7px;white-space:pre"> </div>Contribution<div style="display:inline-block;width:7px;white-space:pre"> </div>are<div style="display:inline-block;width:7px;white-space:pre"> </div>recorded<div style="display:inline-block;width:7px;white-space:pre"> </div>on<div style="display:inline-block;width:7px;white-space:pre"> </div>each<div style="display:inline-block;width:7px;white-space:pre"> </div>bi-weekly<div style="display:inline-block;width:7px;white-space:pre"> </div>payroll.<div style="display:inline-block;width:7px;white-space:pre"> </div>The<div style="display:inline-block;width:7px;white-space:pre"> </div>Additional<div style="display:inline-block;width:7px;white-space:pre"> </div>Matching </div><div id="a885" style="position:absolute;font-family:'Arial';left:29px;top:61px;letter-spacing:-0.19px;">Contribution, any<div style="display:inline-block;width:5px;white-space:pre"> </div>true up<div style="display:inline-block;width:5px;white-space:pre"> </div>matching contribution,<div style="display:inline-block;width:5px;white-space:pre"> </div>and any<div style="display:inline-block;width:5px;white-space:pre"> </div>other employer<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution which<div style="display:inline-block;width:5px;white-space:pre"> </div>are deposited<div style="display:inline-block;width:5px;white-space:pre"> </div>subsequent to </div><div id="a886" style="position:absolute;font-family:'Arial';left:29px;top:77px;letter-spacing:-0.15px;">the Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>Year, are<div style="display:inline-block;width:5px;white-space:pre"> </div>recorded as<div style="display:inline-block;width:5px;white-space:pre"> </div>part of<div style="display:inline-block;width:5px;white-space:pre"> </div>the employer<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution receivable<div style="display:inline-block;width:5px;white-space:pre"> </div>in the<div style="display:inline-block;width:5px;white-space:pre"> </div>statements of<div style="display:inline-block;width:5px;white-space:pre"> </div>net assets<div style="display:inline-block;width:5px;white-space:pre"> </div>available for </div><div id="a887" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.17px;">benefits.</div></div></div></div><div id="TextContainer32" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a887_9_2" style="position:absolute;font-family:'Arial';left:78px;top:307px;letter-spacing:-0.17px;"><div style="display:inline-block;width:4px;white-space:pre"> </div></div><div id="a889" style="position:absolute;font-family:'Arial';left:29px;top:322px;"><div style="display:inline-block;width:4px;white-space:pre"> </div></div></div><div id="div_23_XBRL_TS_7b13090039c7463cb57cb1d3d9e07317" style="position:absolute;left:24px;top:338px;float:left;"><div id="TextBlockContainer24" style="position:relative;line-height:normal;width:714px;height:63px;"><div id="TextContainer24" style="position:relative;width:714px;z-index:1;font-size:13.28px;"><div id="a891" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.17px;">Rollover Distributions </div><div id="a894" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.17px;">Terminated employees or retirees<div style="display:inline-block;width:5px;white-space:pre"> </div>may elect to<div style="display:inline-block;width:5px;white-space:pre"> </div>transfer their savings<div style="display:inline-block;width:5px;white-space:pre"> </div>to other plans qualified<div style="display:inline-block;width:5px;white-space:pre"> </div>by the Puerto<div style="display:inline-block;width:5px;white-space:pre"> </div>Rico Treasury </div><div id="a895" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.17px;">Department.</div></div></div></div><div id="TextContainer33" style="position:relative;width:739px;z-index:1;font-size:13.28px;"></div><div id="div_26_XBRL_TS_d84c749d11b84c84a760662a6f2193af" style="position:absolute;left:0px;top:414px;float:left;"><div id="TextBlockContainer27" style="position:relative;line-height:normal;width:739px;height:216px;"><div id="TextContainer27" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a898" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Investments Valuation and<div style="display:inline-block;width:5px;white-space:pre"> </div>Income Recognition </div><div id="a901" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.17px;">The Plan’s investments in mutual funds, money market<div style="display:inline-block;width:2px;white-space:pre"> </div>funds, the Schwab Personal Choice Retirement Account (“PCRA”) </div><div id="a904" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.16px;">and common stock of First BanCorp. are stated at fair value. The PCRA is a self-directed brokerage account, which offers </div><div id="a907" style="position:absolute;font-family:'Arial';left:29px;top:61px;letter-spacing:-0.18px;">participants<div style="display:inline-block;width:7px;white-space:pre"> </div>additional<div style="display:inline-block;width:7px;white-space:pre"> </div>investment<div style="display:inline-block;width:7px;white-space:pre"> </div>choices<div style="display:inline-block;width:7px;white-space:pre"> </div>beyond<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>traditional<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan’s<div style="display:inline-block;width:7px;white-space:pre"> </div>investment<div style="display:inline-block;width:7px;white-space:pre"> </div>options.<div style="display:inline-block;width:7px;white-space:pre"> </div>See<div style="display:inline-block;width:7px;white-space:pre"> </div>Note<div style="display:inline-block;width:7px;white-space:pre"> </div>3<div style="display:inline-block;width:7px;white-space:pre"> </div>for<div style="display:inline-block;width:7px;white-space:pre"> </div>further </div><div id="a908" style="position:absolute;font-family:'Arial';left:29px;top:77px;letter-spacing:-0.16px;">information regarding<div style="display:inline-block;width:6px;white-space:pre"> </div>valuation of<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan’s<div style="display:inline-block;width:6px;white-space:pre"> </div>investments. The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan presents<div style="display:inline-block;width:6px;white-space:pre"> </div>in the<div style="display:inline-block;width:6px;white-space:pre"> </div>statement of<div style="display:inline-block;width:6px;white-space:pre"> </div>changes in<div style="display:inline-block;width:6px;white-space:pre"> </div>net assets </div><div id="a909" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.17px;">available for benefits the net appreciation in the<div style="display:inline-block;width:5px;white-space:pre"> </div>fair value of its investments which consists of the<div style="display:inline-block;width:5px;white-space:pre"> </div>realized gains or losses </div><div id="a911" style="position:absolute;font-family:'Arial';left:29px;top:107px;letter-spacing:-0.17px;">on investments bought and sold as well<div style="display:inline-block;width:2px;white-space:pre"> </div>as the unrealized appreciation on those investments held<div style="display:inline-block;width:2px;white-space:pre"> </div>during the year. </div><div id="a914" style="position:absolute;font-family:'Arial';left:29px;top:138px;letter-spacing:-0.18px;">Purchases and<div style="display:inline-block;width:6px;white-space:pre"> </div>sales of<div style="display:inline-block;width:6px;white-space:pre"> </div>securities are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded on<div style="display:inline-block;width:6px;white-space:pre"> </div>a trade-date<div style="display:inline-block;width:6px;white-space:pre"> </div>basis. Interest<div style="display:inline-block;width:6px;white-space:pre"> </div>income is<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded on<div style="display:inline-block;width:6px;white-space:pre"> </div>the accrual<div style="display:inline-block;width:6px;white-space:pre"> </div>basis </div><div id="a917" style="position:absolute;font-family:'Arial';left:29px;top:153px;letter-spacing:-0.16px;">and<div style="display:inline-block;width:6px;white-space:pre"> </div>dividends<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded<div style="display:inline-block;width:6px;white-space:pre"> </div>on<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>ex-dividend<div style="display:inline-block;width:6px;white-space:pre"> </div>date.<div style="display:inline-block;width:6px;white-space:pre"> </div>Management<div style="display:inline-block;width:6px;white-space:pre"> </div>fees<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>operating<div style="display:inline-block;width:6px;white-space:pre"> </div>expenses<div style="display:inline-block;width:6px;white-space:pre"> </div>charged<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan </div><div id="a920" style="position:absolute;font-family:'Arial';left:29px;top:169px;letter-spacing:-0.17px;">related to investments in mutual funds are deducted<div style="display:inline-block;width:2px;white-space:pre"> </div>from income earned on a daily basis and are<div style="display:inline-block;width:2px;white-space:pre"> </div>not separately reflected. </div><div id="a921" style="position:absolute;font-family:'Arial';left:29px;top:184px;letter-spacing:-0.17px;">Consequently,<div style="display:inline-block;width:5px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>management<div style="display:inline-block;width:5px;white-space:pre"> </div>fees<div style="display:inline-block;width:5px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>operating<div style="display:inline-block;width:5px;white-space:pre"> </div>expenses<div style="display:inline-block;width:5px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>reflected<div style="display:inline-block;width:5px;white-space:pre"> </div>as<div style="display:inline-block;width:5px;white-space:pre"> </div>net<div style="display:inline-block;width:5px;white-space:pre"> </div>appreciation<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>aggregate<div style="display:inline-block;width:5px;white-space:pre"> </div>fair </div><div id="a922" style="position:absolute;font-family:'Arial';left:29px;top:199px;letter-spacing:-0.17px;">value of such investments.</div></div></div></div><div id="TextContainer34" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a922_26_2" style="position:absolute;font-family:'Arial';left:181px;top:613px;letter-spacing:-0.17px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div></div></div><div id="TextBlockContainer43" style="position:relative;line-height:normal;width:738px;height:155px;"><div style="position:absolute; width:724px; height:1px; left:3.1px; top:-16.2px; background-color:#000000; "> </div> <div id="div_37_XBRL_TS_1f309c3111844f848d954c1ef2a27d0e" style="position:absolute;left:24px;top:0px;float:left;"><div id="TextBlockContainer38" style="position:relative;line-height:normal;width:714px;height:93px;"><div id="TextContainer38" style="position:relative;width:714px;z-index:1;font-size:13.28px;"><div id="a936" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.17px;">Notes receivable from participants </div><div id="a939" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.17px;">Notes receivable from participants represent participant loans that<div style="display:inline-block;width:2px;white-space:pre"> </div>are measured at their unpaid principal balance plus<div style="display:inline-block;width:2px;white-space:pre"> </div>any </div><div id="a940" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.18px;">accrued but unpaid interest. The outstanding loan amount is reduced with payroll retentions made by the employer. Loans </div><div id="a941" style="position:absolute;font-family:'Arial';left:5px;top:61px;letter-spacing:-0.18px;">bear interest at the rate<div style="display:inline-block;width:5px;white-space:pre"> </div>determined by the Plan administrator<div style="display:inline-block;width:5px;white-space:pre"> </div>at the time the loan<div style="display:inline-block;width:5px;white-space:pre"> </div>is granted. Any terminated employee<div style="display:inline-block;width:5px;white-space:pre"> </div>is </div><div id="a942" style="position:absolute;font-family:'Arial';left:5px;top:77px;letter-spacing:-0.17px;">required to repay their remaining balance or<div style="display:inline-block;width:2px;white-space:pre"> </div>offset against their account balance upon distribution.</div></div></div></div><div id="TextContainer43" style="position:relative;width:738px;z-index:1;font-size:13.28px;"><div id="a942_100_2" style="position:absolute;font-family:'Arial';left:586px;top:77px;letter-spacing:-0.17px;"><div style="display:inline-block;width:4px;white-space:pre"> </div></div></div><div id="div_40_XBRL_TS_7678fd6143564348b4408bbde225e629" style="position:absolute;left:24px;top:107px;float:left;"><div id="TextBlockContainer41" style="position:relative;line-height:normal;width:376px;height:47px;"><div id="TextContainer41" style="position:relative;width:376px;z-index:1;font-size:13.28px;"><div id="a945" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Payment of Benefits </div><div id="a948" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.18px;">Benefit payments to participants are recorded upon distribution.</div></div></div></div></div> <div id="TextBlockContainer15" style="position:relative;line-height:normal;width:738px;height:63px;"><div id="TextContainer15" style="position:relative;width:738px;z-index:1;font-size:13.28px;"><div id="a860" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Basis of Accounting </div><div id="a863" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.18px;">The accompanying financial statements have been prepared in accordance with accounting policies generally accepted in </div><div id="a864" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.17px;">the United States of America. A description of<div style="display:inline-block;width:2px;white-space:pre"> </div>the significant accounting policies of the Plan follows.</div></div></div> <div id="TextBlockContainer18" style="position:relative;line-height:normal;width:715px;height:93px;"><div id="TextContainer18" style="position:relative;width:715px;z-index:1;font-size:13.28px;"><div id="a867" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Use of Estimates </div><div id="a870" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.18px;">The preparation of financial statements in conformity with generally accepted accounting principles<div style="display:inline-block;width:5px;white-space:pre"> </div>in the United States of </div><div id="a871" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.18px;">America<div style="display:inline-block;width:7px;white-space:pre"> </div>requires<div style="display:inline-block;width:7px;white-space:pre"> </div>management<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>make<div style="display:inline-block;width:7px;white-space:pre"> </div>estimates<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>assumptions<div style="display:inline-block;width:7px;white-space:pre"> </div>that<div style="display:inline-block;width:7px;white-space:pre"> </div>affect<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>reported<div style="display:inline-block;width:7px;white-space:pre"> </div>amounts<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>net<div style="display:inline-block;width:7px;white-space:pre"> </div>assets </div><div id="a872" style="position:absolute;font-family:'Arial';left:5px;top:61px;letter-spacing:-0.17px;">available for<div style="display:inline-block;width:6px;white-space:pre"> </div>benefits, and<div style="display:inline-block;width:6px;white-space:pre"> </div>changes therein,<div style="display:inline-block;width:6px;white-space:pre"> </div>and disclosure<div style="display:inline-block;width:6px;white-space:pre"> </div>of contingent<div style="display:inline-block;width:6px;white-space:pre"> </div>assets and<div style="display:inline-block;width:6px;white-space:pre"> </div>liabilities. Actual<div style="display:inline-block;width:6px;white-space:pre"> </div>results could<div style="display:inline-block;width:6px;white-space:pre"> </div>differ </div><div id="a874" style="position:absolute;font-family:'Arial';left:5px;top:77px;letter-spacing:-0.18px;">from those estimates.</div></div></div> <div id="TextBlockContainer21" style="position:relative;line-height:normal;width:739px;height:109px;"><div id="TextContainer21" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a878" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Contributions </div><div id="a881" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.18px;">Employee<div style="display:inline-block;width:6px;white-space:pre"> </div>contributions<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>period<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>which<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank<div style="display:inline-block;width:6px;white-space:pre"> </div>makes<div style="display:inline-block;width:6px;white-space:pre"> </div>payroll<div style="display:inline-block;width:6px;white-space:pre"> </div>deductions<div style="display:inline-block;width:6px;white-space:pre"> </div>from<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>participants' </div><div id="a882" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.17px;">compensation.<div style="display:inline-block;width:7px;white-space:pre"> </div>The<div style="display:inline-block;width:7px;white-space:pre"> </div>Bank’s<div style="display:inline-block;width:7px;white-space:pre"> </div>Matching<div style="display:inline-block;width:7px;white-space:pre"> </div>Contribution<div style="display:inline-block;width:7px;white-space:pre"> </div>are<div style="display:inline-block;width:7px;white-space:pre"> </div>recorded<div style="display:inline-block;width:7px;white-space:pre"> </div>on<div style="display:inline-block;width:7px;white-space:pre"> </div>each<div style="display:inline-block;width:7px;white-space:pre"> </div>bi-weekly<div style="display:inline-block;width:7px;white-space:pre"> </div>payroll.<div style="display:inline-block;width:7px;white-space:pre"> </div>The<div style="display:inline-block;width:7px;white-space:pre"> </div>Additional<div style="display:inline-block;width:7px;white-space:pre"> </div>Matching </div><div id="a885" style="position:absolute;font-family:'Arial';left:29px;top:61px;letter-spacing:-0.19px;">Contribution, any<div style="display:inline-block;width:5px;white-space:pre"> </div>true up<div style="display:inline-block;width:5px;white-space:pre"> </div>matching contribution,<div style="display:inline-block;width:5px;white-space:pre"> </div>and any<div style="display:inline-block;width:5px;white-space:pre"> </div>other employer<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution which<div style="display:inline-block;width:5px;white-space:pre"> </div>are deposited<div style="display:inline-block;width:5px;white-space:pre"> </div>subsequent to </div><div id="a886" style="position:absolute;font-family:'Arial';left:29px;top:77px;letter-spacing:-0.15px;">the Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>Year, are<div style="display:inline-block;width:5px;white-space:pre"> </div>recorded as<div style="display:inline-block;width:5px;white-space:pre"> </div>part of<div style="display:inline-block;width:5px;white-space:pre"> </div>the employer<div style="display:inline-block;width:5px;white-space:pre"> </div>contribution receivable<div style="display:inline-block;width:5px;white-space:pre"> </div>in the<div style="display:inline-block;width:5px;white-space:pre"> </div>statements of<div style="display:inline-block;width:5px;white-space:pre"> </div>net assets<div style="display:inline-block;width:5px;white-space:pre"> </div>available for </div><div id="a887" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.17px;">benefits.</div></div></div> <div id="TextBlockContainer24" style="position:relative;line-height:normal;width:714px;height:63px;"><div id="TextContainer24" style="position:relative;width:714px;z-index:1;font-size:13.28px;"><div id="a891" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.17px;">Rollover Distributions </div><div id="a894" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.17px;">Terminated employees or retirees<div style="display:inline-block;width:5px;white-space:pre"> </div>may elect to<div style="display:inline-block;width:5px;white-space:pre"> </div>transfer their savings<div style="display:inline-block;width:5px;white-space:pre"> </div>to other plans qualified<div style="display:inline-block;width:5px;white-space:pre"> </div>by the Puerto<div style="display:inline-block;width:5px;white-space:pre"> </div>Rico Treasury </div><div id="a895" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.17px;">Department.</div></div></div> <div id="TextBlockContainer27" style="position:relative;line-height:normal;width:739px;height:216px;"><div id="TextContainer27" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a898" style="position:absolute;font-family:'Arial';font-weight:bold;left:29px;top:0px;">Investments Valuation and<div style="display:inline-block;width:5px;white-space:pre"> </div>Income Recognition </div><div id="a901" style="position:absolute;font-family:'Arial';left:29px;top:31px;letter-spacing:-0.17px;">The Plan’s investments in mutual funds, money market<div style="display:inline-block;width:2px;white-space:pre"> </div>funds, the Schwab Personal Choice Retirement Account (“PCRA”) </div><div id="a904" style="position:absolute;font-family:'Arial';left:29px;top:46px;letter-spacing:-0.16px;">and common stock of First BanCorp. are stated at fair value. The PCRA is a self-directed brokerage account, which offers </div><div id="a907" style="position:absolute;font-family:'Arial';left:29px;top:61px;letter-spacing:-0.18px;">participants<div style="display:inline-block;width:7px;white-space:pre"> </div>additional<div style="display:inline-block;width:7px;white-space:pre"> </div>investment<div style="display:inline-block;width:7px;white-space:pre"> </div>choices<div style="display:inline-block;width:7px;white-space:pre"> </div>beyond<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>traditional<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan’s<div style="display:inline-block;width:7px;white-space:pre"> </div>investment<div style="display:inline-block;width:7px;white-space:pre"> </div>options.<div style="display:inline-block;width:7px;white-space:pre"> </div>See<div style="display:inline-block;width:7px;white-space:pre"> </div>Note<div style="display:inline-block;width:7px;white-space:pre"> </div>3<div style="display:inline-block;width:7px;white-space:pre"> </div>for<div style="display:inline-block;width:7px;white-space:pre"> </div>further </div><div id="a908" style="position:absolute;font-family:'Arial';left:29px;top:77px;letter-spacing:-0.16px;">information regarding<div style="display:inline-block;width:6px;white-space:pre"> </div>valuation of<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan’s<div style="display:inline-block;width:6px;white-space:pre"> </div>investments. The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan presents<div style="display:inline-block;width:6px;white-space:pre"> </div>in the<div style="display:inline-block;width:6px;white-space:pre"> </div>statement of<div style="display:inline-block;width:6px;white-space:pre"> </div>changes in<div style="display:inline-block;width:6px;white-space:pre"> </div>net assets </div><div id="a909" style="position:absolute;font-family:'Arial';left:29px;top:92px;letter-spacing:-0.17px;">available for benefits the net appreciation in the<div style="display:inline-block;width:5px;white-space:pre"> </div>fair value of its investments which consists of the<div style="display:inline-block;width:5px;white-space:pre"> </div>realized gains or losses </div><div id="a911" style="position:absolute;font-family:'Arial';left:29px;top:107px;letter-spacing:-0.17px;">on investments bought and sold as well<div style="display:inline-block;width:2px;white-space:pre"> </div>as the unrealized appreciation on those investments held<div style="display:inline-block;width:2px;white-space:pre"> </div>during the year. </div><div id="a914" style="position:absolute;font-family:'Arial';left:29px;top:138px;letter-spacing:-0.18px;">Purchases and<div style="display:inline-block;width:6px;white-space:pre"> </div>sales of<div style="display:inline-block;width:6px;white-space:pre"> </div>securities are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded on<div style="display:inline-block;width:6px;white-space:pre"> </div>a trade-date<div style="display:inline-block;width:6px;white-space:pre"> </div>basis. Interest<div style="display:inline-block;width:6px;white-space:pre"> </div>income is<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded on<div style="display:inline-block;width:6px;white-space:pre"> </div>the accrual<div style="display:inline-block;width:6px;white-space:pre"> </div>basis </div><div id="a917" style="position:absolute;font-family:'Arial';left:29px;top:153px;letter-spacing:-0.16px;">and<div style="display:inline-block;width:6px;white-space:pre"> </div>dividends<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:6px;white-space:pre"> </div>recorded<div style="display:inline-block;width:6px;white-space:pre"> </div>on<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>ex-dividend<div style="display:inline-block;width:6px;white-space:pre"> </div>date.<div style="display:inline-block;width:6px;white-space:pre"> </div>Management<div style="display:inline-block;width:6px;white-space:pre"> </div>fees<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:6px;white-space:pre"> </div>operating<div style="display:inline-block;width:6px;white-space:pre"> </div>expenses<div style="display:inline-block;width:6px;white-space:pre"> </div>charged<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan </div><div id="a920" style="position:absolute;font-family:'Arial';left:29px;top:169px;letter-spacing:-0.17px;">related to investments in mutual funds are deducted<div style="display:inline-block;width:2px;white-space:pre"> </div>from income earned on a daily basis and are<div style="display:inline-block;width:2px;white-space:pre"> </div>not separately reflected. </div><div id="a921" style="position:absolute;font-family:'Arial';left:29px;top:184px;letter-spacing:-0.17px;">Consequently,<div style="display:inline-block;width:5px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>management<div style="display:inline-block;width:5px;white-space:pre"> </div>fees<div style="display:inline-block;width:5px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>operating<div style="display:inline-block;width:5px;white-space:pre"> </div>expenses<div style="display:inline-block;width:5px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>reflected<div style="display:inline-block;width:5px;white-space:pre"> </div>as<div style="display:inline-block;width:5px;white-space:pre"> </div>net<div style="display:inline-block;width:5px;white-space:pre"> </div>appreciation<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>aggregate<div style="display:inline-block;width:5px;white-space:pre"> </div>fair </div><div id="a922" style="position:absolute;font-family:'Arial';left:29px;top:199px;letter-spacing:-0.17px;">value of such investments.</div></div></div> <div id="TextBlockContainer38" style="position:relative;line-height:normal;width:714px;height:93px;"><div id="TextContainer38" style="position:relative;width:714px;z-index:1;font-size:13.28px;"><div id="a936" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.17px;">Notes receivable from participants </div><div id="a939" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.17px;">Notes receivable from participants represent participant loans that<div style="display:inline-block;width:2px;white-space:pre"> </div>are measured at their unpaid principal balance plus<div style="display:inline-block;width:2px;white-space:pre"> </div>any </div><div id="a940" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.18px;">accrued but unpaid interest. The outstanding loan amount is reduced with payroll retentions made by the employer. Loans </div><div id="a941" style="position:absolute;font-family:'Arial';left:5px;top:61px;letter-spacing:-0.18px;">bear interest at the rate<div style="display:inline-block;width:5px;white-space:pre"> </div>determined by the Plan administrator<div style="display:inline-block;width:5px;white-space:pre"> </div>at the time the loan<div style="display:inline-block;width:5px;white-space:pre"> </div>is granted. Any terminated employee<div style="display:inline-block;width:5px;white-space:pre"> </div>is </div><div id="a942" style="position:absolute;font-family:'Arial';left:5px;top:77px;letter-spacing:-0.17px;">required to repay their remaining balance or<div style="display:inline-block;width:2px;white-space:pre"> </div>offset against their account balance upon distribution.</div></div></div> <div id="TextBlockContainer41" style="position:relative;line-height:normal;width:376px;height:47px;"><div id="TextContainer41" style="position:relative;width:376px;z-index:1;font-size:13.28px;"><div id="a945" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Payment of Benefits </div><div id="a948" style="position:absolute;font-family:'Arial';left:5px;top:31px;letter-spacing:-0.18px;">Benefit payments to participants are recorded upon distribution.</div></div></div> <div id="TextBlockContainer47" style="position:relative;line-height:normal;width:739px;height:185px;"><div id="TextContainer47" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a953_1_24" style="position:absolute;font-family:'Arial';font-weight:bold;left:20px;top:0px;">Fair Value Measurements </div><div id="a957" style="position:absolute;font-family:'Arial';left:5px;top:31px;">ASC Topic<div style="display:inline-block;width:6px;white-space:pre"> </div>820, “Fair Value<div style="display:inline-block;width:5px;white-space:pre"> </div>Measurement,” defines<div style="display:inline-block;width:2px;white-space:pre"> </div>fair value as the<div style="display:inline-block;width:5px;white-space:pre"> </div>exchange price that would be received for an<div style="display:inline-block;width:5px;white-space:pre"> </div>asset or </div><div id="a958" style="position:absolute;font-family:'Arial';left:5px;top:46px;letter-spacing:-0.18px;">paid<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>transfer<div style="display:inline-block;width:5px;white-space:pre"> </div>a<div style="display:inline-block;width:5px;white-space:pre"> </div>liability<div style="display:inline-block;width:5px;white-space:pre"> </div>(an<div style="display:inline-block;width:5px;white-space:pre"> </div>exit<div style="display:inline-block;width:5px;white-space:pre"> </div>price)<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>principal<div style="display:inline-block;width:5px;white-space:pre"> </div>or<div style="display:inline-block;width:5px;white-space:pre"> </div>most<div style="display:inline-block;width:5px;white-space:pre"> </div>advantageous<div style="display:inline-block;width:5px;white-space:pre"> </div>market<div style="display:inline-block;width:5px;white-space:pre"> </div>for<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>asset<div style="display:inline-block;width:5px;white-space:pre"> </div>or<div style="display:inline-block;width:5px;white-space:pre"> </div>liability<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>an<div style="display:inline-block;width:5px;white-space:pre"> </div>orderly </div><div id="a960" style="position:absolute;font-family:'Arial';left:5px;top:61px;letter-spacing:-0.17px;">transaction between market<div style="display:inline-block;width:5px;white-space:pre"> </div>participants on the<div style="display:inline-block;width:5px;white-space:pre"> </div>measurement date. This<div style="display:inline-block;width:5px;white-space:pre"> </div>guidance also establishes a<div style="display:inline-block;width:5px;white-space:pre"> </div>three-level hierarchy for </div><div id="a963" style="position:absolute;font-family:'Arial';left:5px;top:77px;letter-spacing:-0.18px;">measuring fair<div style="display:inline-block;width:6px;white-space:pre"> </div>value based<div style="display:inline-block;width:6px;white-space:pre"> </div>on the<div style="display:inline-block;width:6px;white-space:pre"> </div>observability of<div style="display:inline-block;width:6px;white-space:pre"> </div>inputs: (i)<div style="display:inline-block;width:6px;white-space:pre"> </div>Level 1<div style="display:inline-block;width:6px;white-space:pre"> </div>inputs are<div style="display:inline-block;width:6px;white-space:pre"> </div>quoted prices<div style="display:inline-block;width:6px;white-space:pre"> </div>in active<div style="display:inline-block;width:6px;white-space:pre"> </div>markets for<div style="display:inline-block;width:6px;white-space:pre"> </div>identical </div><div id="a965" style="position:absolute;font-family:'Arial';left:5px;top:92px;letter-spacing:-0.17px;">assets<div style="display:inline-block;width:5px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>liabilities;<div style="display:inline-block;width:5px;white-space:pre"> </div>(ii)<div style="display:inline-block;width:5px;white-space:pre"> </div>Level<div style="display:inline-block;width:5px;white-space:pre"> </div>2<div style="display:inline-block;width:5px;white-space:pre"> </div>inputs<div style="display:inline-block;width:5px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>observable<div style="display:inline-block;width:5px;white-space:pre"> </div>inputs<div style="display:inline-block;width:5px;white-space:pre"> </div>other<div style="display:inline-block;width:5px;white-space:pre"> </div>than<div style="display:inline-block;width:5px;white-space:pre"> </div>Level<div style="display:inline-block;width:5px;white-space:pre"> </div>1<div style="display:inline-block;width:5px;white-space:pre"> </div>prices,<div style="display:inline-block;width:5px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>as<div style="display:inline-block;width:5px;white-space:pre"> </div>quoted<div style="display:inline-block;width:5px;white-space:pre"> </div>prices<div style="display:inline-block;width:5px;white-space:pre"> </div>for<div style="display:inline-block;width:5px;white-space:pre"> </div>similar </div><div id="a967" style="position:absolute;font-family:'Arial';left:5px;top:107px;letter-spacing:-0.19px;">assets or liabilities<div style="display:inline-block;width:6px;white-space:pre"> </div>in active markets,<div style="display:inline-block;width:5px;white-space:pre"> </div>as well as<div style="display:inline-block;width:6px;white-space:pre"> </div>inputs that are<div style="display:inline-block;width:6px;white-space:pre"> </div>observable for the<div style="display:inline-block;width:6px;white-space:pre"> </div>asset or liability<div style="display:inline-block;width:6px;white-space:pre"> </div>(other than quoted<div style="display:inline-block;width:6px;white-space:pre"> </div>prices); </div><div id="a969" style="position:absolute;font-family:'Arial';left:5px;top:123px;letter-spacing:-0.16px;">and (iii) Level 3 inputs are significant unobservable<div style="display:inline-block;width:2px;white-space:pre"> </div>inputs, requiring significant judgment due to limited<div style="display:inline-block;width:2px;white-space:pre"> </div>or no market activity. </div><div id="a973" style="position:absolute;font-family:'Arial';left:5px;top:153px;letter-spacing:-0.17px;">As of December 31, 2025 and 2024, the Plan’s<div style="display:inline-block;width:5px;white-space:pre"> </div>investments measured at fair value consisted of the following instruments<div style="display:inline-block;width:5px;white-space:pre"> </div>and </div><div id="a974" style="position:absolute;font-family:'Arial';left:5px;top:169px;letter-spacing:-0.18px;">classifications within the fair value hierarchy:</div></div></div><div id="TextBlockContainer53" style="position:relative;line-height:normal;width:755px;height:367px;"><div id="div_50_XBRL_TS_63f465fbcad047e69da69e19582e9787" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer51" style="position:relative;line-height:normal;width:755px;height:367px;"><div style="position:absolute; width:430.2px; height:1px; left:314px; top:15.1px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:324.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:324.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:414.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:414.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:424.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:424.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:434.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.5px; height:1px; left:434.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:524.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:524.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:534.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:534.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:544.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:544.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:634.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:634.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:644.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:644.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:654.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.4px; height:1px; left:654.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:34.4px; left:5px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:81.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:314px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.7px; height:15.4px; left:316.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:324.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:414.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:424.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:426.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:434.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:524.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:534.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.6px; height:15.4px; left:536.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:544.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:634.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:644.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:646.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:654.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:309px; height:1px; left:5px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:414.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:424.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:524.2px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:534.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:634.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:644.2px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:20px; left:5px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:314px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:314px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:324.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:414.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:424.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:424.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:434.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:524.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:534.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:534.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:544.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:634.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:644.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:644.2px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:654.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:430.2px; height:1px; left:314px; top:214.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:324.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:324.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:414.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:414.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:424.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:424.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:434.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.5px; height:1px; left:434.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:524.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:524.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:534.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:534.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:544.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:544.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:634.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:634.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:644.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:644.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:654.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.4px; height:1px; left:654.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:34.4px; left:5px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:273.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:314px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.7px; height:15.4px; left:316.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:324.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:414.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:424.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:426.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:434.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:524.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:534.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.6px; height:15.4px; left:536.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:544.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:634.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:644.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:646.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:654.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:309px; height:1px; left:5px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:414.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:424.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:524.2px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:534.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:634.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:644.2px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:20px; left:5px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:314px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:314px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:324.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:414.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:424.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:424.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:434.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:524.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:534.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:534.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:544.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:634.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:644.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:644.2px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:654.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.9px; height:1px; left:323.2px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:91.1px; height:1px; left:433.1px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:90.9px; height:1px; left:543.2px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:91px; height:1px; left:653.2px; top:365.4px; background-color:#000000; "> </div> <div id="TextContainer51" style="position:relative;width:755px;z-index:1;font-size:13.28px;"><div id="a978" style="position:absolute;font-family:'Arial';font-weight:bold;left:450px;top:0px;">As of December 31, 2025 </div><div id="a981" style="position:absolute;font-family:'Arial';font-weight:bold;left:428px;top:20px;">Fair Value Measurements<div style="display:inline-block;width:5px;white-space:pre"> </div>Using </div><div id="a985" style="position:absolute;font-family:'Arial';font-weight:bold;left:346px;top:62px;">Level 1 </div><div id="a989" style="position:absolute;font-family:'Arial';font-weight:bold;left:456px;top:62px;">Level 2 </div><div id="a993" style="position:absolute;font-family:'Arial';font-weight:bold;left:566px;top:62px;">Level 3 </div><div id="a997" style="position:absolute;font-family:'Arial';font-weight:bold;left:669px;top:47px;">Assets at </div><div id="a998" style="position:absolute;font-family:'Arial';font-weight:bold;left:667px;top:62px;">Fair Value </div><div id="a1000" style="position:absolute;font-family:'Arial';left:8px;top:82px;">Investments in mutual funds and money market </div><div id="a1001" style="position:absolute;font-family:'Arial';left:8px;top:97px;">funds </div><div id="a1003" style="position:absolute;font-family:'Arial';left:317px;top:97px;">$ </div><div id="a1005" style="position:absolute;font-family:'Arial';left:337px;top:97px;">179,333,706</div><div id="a1008" style="position:absolute;font-family:'Arial';left:427px;top:97px;">$ </div><div id="a1010" style="position:absolute;font-family:'Arial';left:513px;top:97px;">-</div><div id="a1013" style="position:absolute;font-family:'Arial';left:537px;top:97px;">$ </div><div id="a1015" style="position:absolute;font-family:'Arial';left:623px;top:97px;">-</div><div id="a1018" style="position:absolute;font-family:'Arial';left:647px;top:97px;">$ </div><div id="a1020" style="position:absolute;font-family:'Arial';left:663px;top:97px;">179,333,706</div><div id="a1022" style="position:absolute;font-family:'Arial';left:8px;top:117px;">Investment in First BanCorp. </div><div id="a1025" style="position:absolute;font-family:'Arial';left:352px;top:117px;">5,827,990</div><div id="a1029" style="position:absolute;font-family:'Arial';left:513px;top:117px;">-</div><div id="a1033" style="position:absolute;font-family:'Arial';left:623px;top:117px;">-</div><div id="a1037" style="position:absolute;font-family:'Arial';left:678px;top:117px;">5,827,990</div><div id="a1039" style="position:absolute;font-family:'Arial';left:8px;top:137px;">PCRA </div><div id="a1042" style="position:absolute;font-family:'Arial';left:370px;top:137px;">42,878</div><div id="a1046" style="position:absolute;font-family:'Arial';left:513px;top:137px;">-</div><div id="a1050" style="position:absolute;font-family:'Arial';left:623px;top:137px;">-</div><div id="a1054" style="position:absolute;font-family:'Arial';left:697px;top:137px;">42,878</div><div id="a1056" style="position:absolute;font-family:'Arial';font-weight:bold;left:8px;top:158px;"><div style="display:inline-block;width:11px;white-space:pre"> </div>Total investments<div style="display:inline-block;width:5px;white-space:pre"> </div>at fair value </div><div id="a1059" style="position:absolute;font-family:'Arial';left:317px;top:158px;">$ </div><div id="a1061" style="position:absolute;font-family:'Arial';left:337px;top:158px;">185,204,574</div><div id="a1064" style="position:absolute;font-family:'Arial';left:427px;top:158px;">$ </div><div id="a1066" style="position:absolute;font-family:'Arial';left:513px;top:158px;">-</div><div id="a1069" style="position:absolute;font-family:'Arial';left:537px;top:158px;">$ </div><div id="a1071" style="position:absolute;font-family:'Arial';left:623px;top:158px;">-</div><div id="a1074" style="position:absolute;font-family:'Arial';left:647px;top:158px;">$ </div><div id="a1076" style="position:absolute;font-family:'Arial';left:667px;top:158px;">185,204,574</div><div id="a1091" style="position:absolute;font-family:'Arial';font-weight:bold;left:450px;top:199px;">As of December 31, 2024 </div><div id="a1094" style="position:absolute;font-family:'Arial';font-weight:bold;left:428px;top:219px;">Fair Value Measurements<div style="display:inline-block;width:5px;white-space:pre"> </div>Using </div><div id="a1098" style="position:absolute;font-family:'Arial';font-weight:bold;left:346px;top:254px;">Level 1 </div><div id="a1102" style="position:absolute;font-family:'Arial';font-weight:bold;left:456px;top:254px;">Level 2 </div><div id="a1106" style="position:absolute;font-family:'Arial';font-weight:bold;left:566px;top:254px;">Level 3 </div><div id="a1110" style="position:absolute;font-family:'Arial';font-weight:bold;left:669px;top:239px;">Assets at </div><div id="a1111" style="position:absolute;font-family:'Arial';font-weight:bold;left:667px;top:254px;">Fair Value </div><div id="a1113" style="position:absolute;font-family:'Arial';left:8px;top:274px;">Investments in mutual funds and money market </div><div id="a1114" style="position:absolute;font-family:'Arial';left:8px;top:289px;">funds </div><div id="a1116" style="position:absolute;font-family:'Arial';left:317px;top:289px;">$ </div><div id="a1118" style="position:absolute;font-family:'Arial';left:337px;top:289px;">151,942,286</div><div id="a1121" style="position:absolute;font-family:'Arial';left:427px;top:289px;">$ </div><div id="a1123" style="position:absolute;font-family:'Arial';left:513px;top:289px;">-</div><div id="a1126" style="position:absolute;font-family:'Arial';left:537px;top:289px;">$ </div><div id="a1128" style="position:absolute;font-family:'Arial';left:623px;top:289px;">-</div><div id="a1131" style="position:absolute;font-family:'Arial';left:647px;top:289px;">$ </div><div id="a1133" style="position:absolute;font-family:'Arial';left:663px;top:289px;">151,942,286</div><div id="a1135" style="position:absolute;font-family:'Arial';left:8px;top:309px;">Investment in First BanCorp. </div><div id="a1138" style="position:absolute;font-family:'Arial';left:352px;top:309px;">5,530,724</div><div id="a1142" style="position:absolute;font-family:'Arial';left:513px;top:309px;">-</div><div id="a1146" style="position:absolute;font-family:'Arial';left:623px;top:309px;">-</div><div id="a1150" style="position:absolute;font-family:'Arial';left:678px;top:309px;">5,530,724</div><div id="a1152" style="position:absolute;font-family:'Arial';left:8px;top:329px;">PCRA </div><div id="a1155" style="position:absolute;font-family:'Arial';left:363px;top:329px;">399,824</div><div id="a1159" style="position:absolute;font-family:'Arial';left:513px;top:329px;">-</div><div id="a1163" style="position:absolute;font-family:'Arial';left:623px;top:329px;">-</div><div id="a1167" style="position:absolute;font-family:'Arial';left:689px;top:329px;">399,824</div><div id="a1169" style="position:absolute;font-family:'Arial';font-weight:bold;left:8px;top:350px;"><div style="display:inline-block;width:11px;white-space:pre"> </div>Total investments<div style="display:inline-block;width:5px;white-space:pre"> </div>at fair value </div><div id="a1172" style="position:absolute;font-family:'Arial';left:317px;top:350px;">$ </div><div id="a1174" style="position:absolute;font-family:'Arial';left:337px;top:350px;">157,872,834</div><div id="a1177" style="position:absolute;font-family:'Arial';left:427px;top:350px;">$ </div><div id="a1179" style="position:absolute;font-family:'Arial';left:513px;top:350px;">-</div><div id="a1182" style="position:absolute;font-family:'Arial';left:537px;top:350px;">$ </div><div id="a1184" style="position:absolute;font-family:'Arial';left:623px;top:350px;">-</div><div id="a1187" style="position:absolute;font-family:'Arial';left:647px;top:350px;">$ </div><div id="a1189" style="position:absolute;font-family:'Arial';left:667px;top:350px;">157,872,834</div></div></div></div></div><div id="TextBlockContainer56" style="position:relative;line-height:normal;width:739px;height:93px;"><div id="TextContainer56" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a1192" style="position:absolute;font-family:'Arial';left:5px;top:0px;">Following is a<div style="display:inline-block;width:5px;white-space:pre"> </div>description of the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan’s valuation<div style="display:inline-block;width:5px;white-space:pre"> </div>methodologies used<div style="display:inline-block;width:5px;white-space:pre"> </div>for assets measured<div style="display:inline-block;width:6px;white-space:pre"> </div>at fair value.<div style="display:inline-block;width:5px;white-space:pre"> </div>There have been </div><div id="a1193" style="position:absolute;font-family:'Arial';left:5px;top:15px;">no changes in the methodologies used at December 31, 2025<div style="display:inline-block;width:5px;white-space:pre"> </div>and 2024.<div style="display:inline-block;width:4px;white-space:pre"> </div></div><div id="a1196" style="position:absolute;font-family:'Arial';font-weight:bold;left:43px;top:46px;">Mutual<div style="display:inline-block;width:7px;white-space:pre"> </div>Funds<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>money<div style="display:inline-block;width:7px;white-space:pre"> </div>market<div style="display:inline-block;width:7px;white-space:pre"> </div>funds:</div><div id="a1197" style="position:absolute;font-family:'Arial';left:311px;top:46px;"><div style="display:inline-block;width:7px;white-space:pre"> </div>These<div style="display:inline-block;width:7px;white-space:pre"> </div>open-ended<div style="display:inline-block;width:7px;white-space:pre"> </div>funds<div style="display:inline-block;width:7px;white-space:pre"> </div>are<div style="display:inline-block;width:7px;white-space:pre"> </div>valued<div style="display:inline-block;width:7px;white-space:pre"> </div>at<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>daily<div style="display:inline-block;width:7px;white-space:pre"> </div>closing<div style="display:inline-block;width:7px;white-space:pre"> </div>price<div style="display:inline-block;width:7px;white-space:pre"> </div>as </div><div id="a1201" style="position:absolute;font-family:'Arial';left:43px;top:61px;">reported by<div style="display:inline-block;width:6px;white-space:pre"> </div>the funds,<div style="display:inline-block;width:6px;white-space:pre"> </div>which represents<div style="display:inline-block;width:6px;white-space:pre"> </div>the net<div style="display:inline-block;width:6px;white-space:pre"> </div>asset value<div style="display:inline-block;width:6px;white-space:pre"> </div>of shares<div style="display:inline-block;width:6px;white-space:pre"> </div>held by<div style="display:inline-block;width:6px;white-space:pre"> </div>the Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>at the<div style="display:inline-block;width:6px;white-space:pre"> </div>reporting<div style="display:inline-block;width:5px;white-space:pre"> </div>date. The </div><div id="a1202" style="position:absolute;font-family:'Arial';left:43px;top:77px;">net asset value is a quoted market price available in an<div style="display:inline-block;width:5px;white-space:pre"> </div>active market. </div></div></div><div id="TextBlockContainer59" style="position:relative;line-height:normal;width:739px;height:78px;"><div style="position:absolute; width:724px; height:1px; left:3.1px; top:-16.2px; background-color:#000000; "> </div> <div id="TextContainer59" style="position:relative;width:739px;z-index:1;font-size:13.28px;"><div id="a1215" style="position:absolute;font-family:'Arial';font-weight:bold;left:43px;top:15px;letter-spacing:-0.16px;">Investment in First BanCorp.:</div><div id="a1216" style="position:absolute;font-family:'Arial';left:225px;top:15px;letter-spacing:-0.16px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>Investment in First BanCorp. consists of common stock<div style="display:inline-block;width:2px;white-space:pre"> </div>of First BanCorp. and is valued </div><div id="a1220" style="position:absolute;font-family:'Arial';left:43px;top:31px;letter-spacing:-0.18px;">based on the closing price per the stock<div style="display:inline-block;width:2px;white-space:pre"> </div>exchange on which they are traded.<div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a1223" style="position:absolute;font-family:'Arial';font-weight:bold;left:43px;top:61px;letter-spacing:-0.17px;">Self-directed brokerage accounts:</div><div id="a1226" style="position:absolute;font-family:'Arial';left:253px;top:61px;letter-spacing:-0.17px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>Investments held in a PCRA are valued using<div style="display:inline-block;width:2px;white-space:pre"> </div>quoted market prices at period end.</div></div></div> <div id="TextBlockContainer51" style="position:relative;line-height:normal;width:755px;height:367px;"><div style="position:absolute; width:430.2px; height:1px; left:314px; top:15.1px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:324.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:324.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:414.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:414.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:424.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:424.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:434.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.5px; height:1px; left:434.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:524.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:524.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:534.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:534.7px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:544.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:544.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:634.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:634.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:644.2px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:644.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:654.1px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:89.4px; height:1px; left:654.8px; top:35.1px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:34.4px; left:5px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:81.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:314px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.7px; height:15.4px; left:316.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:324.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:414.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:424.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:426.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:434.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:524.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:534.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.6px; height:15.4px; left:536.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:544.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:634.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:644.2px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:646.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:654.1px; top:77.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:96.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:309px; height:1px; left:5px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:414.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:424.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:524.2px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:534.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:634.1px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:644.2px; top:77.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:77.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:20px; left:5px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:314px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:314px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:324.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:414.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:424.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:424.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:434.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:524.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:534.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:534.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:544.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:634.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:644.2px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:644.2px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:654.1px; top:132.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:136.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:152.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:173.2px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:175.2px; background-color:#000000; "> </div> <div style="position:absolute; width:430.2px; height:1px; left:314px; top:214.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:324.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:324.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:414.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:414.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:424.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:424.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:434.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.5px; height:1px; left:434.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:524.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:524.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:534.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:534.7px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:544.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.3px; height:1px; left:544.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:634.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.4px; height:1px; left:634.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:644.2px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.3px; height:1px; left:644.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:654.1px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:89.4px; height:1px; left:654.8px; top:234.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:34.4px; left:5px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:273.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:314px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.7px; height:15.4px; left:316.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:324.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:414.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:424.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:426.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:434.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:524.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:534.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.6px; height:15.4px; left:536.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:34.4px; left:544.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:34.4px; left:634.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:34.4px; left:644.2px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:4.8px; height:15.4px; left:646.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:34.4px; left:654.1px; top:269.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:289px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:309px; height:1px; left:5px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:314px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:414.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:424.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:524.2px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:534.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:10.1px; height:1px; left:634.1px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:1px; left:644.2px; top:269.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:269.2px; background-color:#000000; "> </div> <div style="position:absolute; width:309px; height:20px; left:5px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:303.7px; height:15.4px; left:7.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:314px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:314px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:324.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:84.8px; height:15.4px; left:326.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:414.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:414.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:424.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:424.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:434.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.7px; height:15.4px; left:436.8px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:524.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:524.2px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:534.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:534.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:20px; left:544.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.8px; height:15.4px; left:546.7px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:20px; left:634.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:10.1px; height:15.4px; left:634.1px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:20px; left:644.2px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:9.9px; height:15.4px; left:644.2px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:90.1px; height:20px; left:654.1px; top:324.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:80.6px; height:15.4px; left:656.8px; top:329px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:324.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:434.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:89.9px; height:1px; left:544.2px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.1px; height:1px; left:654.1px; top:344.3px; background-color:#000000; "> </div> <div style="position:absolute; width:90.9px; height:1px; left:323.2px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:91.1px; height:1px; left:433.1px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:90.9px; height:1px; left:543.2px; top:365.4px; background-color:#000000; "> </div> <div style="position:absolute; width:91px; height:1px; left:653.2px; top:365.4px; background-color:#000000; "> </div> <div id="TextContainer51" style="position:relative;width:755px;z-index:1;font-size:13.28px;"><div id="a978" style="position:absolute;font-family:'Arial';font-weight:bold;left:450px;top:0px;">As of December 31, 2025 </div><div id="a981" style="position:absolute;font-family:'Arial';font-weight:bold;left:428px;top:20px;">Fair Value Measurements<div style="display:inline-block;width:5px;white-space:pre"> </div>Using </div><div id="a985" style="position:absolute;font-family:'Arial';font-weight:bold;left:346px;top:62px;">Level 1 </div><div id="a989" style="position:absolute;font-family:'Arial';font-weight:bold;left:456px;top:62px;">Level 2 </div><div id="a993" style="position:absolute;font-family:'Arial';font-weight:bold;left:566px;top:62px;">Level 3 </div><div id="a997" style="position:absolute;font-family:'Arial';font-weight:bold;left:669px;top:47px;">Assets at </div><div id="a998" style="position:absolute;font-family:'Arial';font-weight:bold;left:667px;top:62px;">Fair Value </div><div id="a1000" style="position:absolute;font-family:'Arial';left:8px;top:82px;">Investments in mutual funds and money market </div><div id="a1001" style="position:absolute;font-family:'Arial';left:8px;top:97px;">funds </div><div id="a1003" style="position:absolute;font-family:'Arial';left:317px;top:97px;">$ </div><div id="a1005" style="position:absolute;font-family:'Arial';left:337px;top:97px;">179,333,706</div><div id="a1008" style="position:absolute;font-family:'Arial';left:427px;top:97px;">$ </div><div id="a1010" style="position:absolute;font-family:'Arial';left:513px;top:97px;">-</div><div id="a1013" style="position:absolute;font-family:'Arial';left:537px;top:97px;">$ </div><div id="a1015" style="position:absolute;font-family:'Arial';left:623px;top:97px;">-</div><div id="a1018" style="position:absolute;font-family:'Arial';left:647px;top:97px;">$ </div><div id="a1020" style="position:absolute;font-family:'Arial';left:663px;top:97px;">179,333,706</div><div id="a1022" style="position:absolute;font-family:'Arial';left:8px;top:117px;">Investment in First BanCorp. </div><div id="a1025" style="position:absolute;font-family:'Arial';left:352px;top:117px;">5,827,990</div><div id="a1029" style="position:absolute;font-family:'Arial';left:513px;top:117px;">-</div><div id="a1033" style="position:absolute;font-family:'Arial';left:623px;top:117px;">-</div><div id="a1037" style="position:absolute;font-family:'Arial';left:678px;top:117px;">5,827,990</div><div id="a1039" style="position:absolute;font-family:'Arial';left:8px;top:137px;">PCRA </div><div id="a1042" style="position:absolute;font-family:'Arial';left:370px;top:137px;">42,878</div><div id="a1046" style="position:absolute;font-family:'Arial';left:513px;top:137px;">-</div><div id="a1050" style="position:absolute;font-family:'Arial';left:623px;top:137px;">-</div><div id="a1054" style="position:absolute;font-family:'Arial';left:697px;top:137px;">42,878</div><div id="a1056" style="position:absolute;font-family:'Arial';font-weight:bold;left:8px;top:158px;"><div style="display:inline-block;width:11px;white-space:pre"> </div>Total investments<div style="display:inline-block;width:5px;white-space:pre"> </div>at fair value </div><div id="a1059" style="position:absolute;font-family:'Arial';left:317px;top:158px;">$ </div><div id="a1061" style="position:absolute;font-family:'Arial';left:337px;top:158px;">185,204,574</div><div id="a1064" style="position:absolute;font-family:'Arial';left:427px;top:158px;">$ </div><div id="a1066" style="position:absolute;font-family:'Arial';left:513px;top:158px;">-</div><div id="a1069" style="position:absolute;font-family:'Arial';left:537px;top:158px;">$ </div><div id="a1071" style="position:absolute;font-family:'Arial';left:623px;top:158px;">-</div><div id="a1074" style="position:absolute;font-family:'Arial';left:647px;top:158px;">$ </div><div id="a1076" style="position:absolute;font-family:'Arial';left:667px;top:158px;">185,204,574</div><div id="a1091" style="position:absolute;font-family:'Arial';font-weight:bold;left:450px;top:199px;">As of December 31, 2024 </div><div id="a1094" style="position:absolute;font-family:'Arial';font-weight:bold;left:428px;top:219px;">Fair Value Measurements<div style="display:inline-block;width:5px;white-space:pre"> </div>Using </div><div id="a1098" style="position:absolute;font-family:'Arial';font-weight:bold;left:346px;top:254px;">Level 1 </div><div id="a1102" style="position:absolute;font-family:'Arial';font-weight:bold;left:456px;top:254px;">Level 2 </div><div id="a1106" style="position:absolute;font-family:'Arial';font-weight:bold;left:566px;top:254px;">Level 3 </div><div id="a1110" style="position:absolute;font-family:'Arial';font-weight:bold;left:669px;top:239px;">Assets at </div><div id="a1111" style="position:absolute;font-family:'Arial';font-weight:bold;left:667px;top:254px;">Fair Value </div><div id="a1113" style="position:absolute;font-family:'Arial';left:8px;top:274px;">Investments in mutual funds and money market </div><div id="a1114" style="position:absolute;font-family:'Arial';left:8px;top:289px;">funds </div><div id="a1116" style="position:absolute;font-family:'Arial';left:317px;top:289px;">$ </div><div id="a1118" style="position:absolute;font-family:'Arial';left:337px;top:289px;">151,942,286</div><div id="a1121" style="position:absolute;font-family:'Arial';left:427px;top:289px;">$ </div><div id="a1123" style="position:absolute;font-family:'Arial';left:513px;top:289px;">-</div><div id="a1126" style="position:absolute;font-family:'Arial';left:537px;top:289px;">$ </div><div id="a1128" style="position:absolute;font-family:'Arial';left:623px;top:289px;">-</div><div id="a1131" style="position:absolute;font-family:'Arial';left:647px;top:289px;">$ </div><div id="a1133" style="position:absolute;font-family:'Arial';left:663px;top:289px;">151,942,286</div><div id="a1135" style="position:absolute;font-family:'Arial';left:8px;top:309px;">Investment in First BanCorp. </div><div id="a1138" style="position:absolute;font-family:'Arial';left:352px;top:309px;">5,530,724</div><div id="a1142" style="position:absolute;font-family:'Arial';left:513px;top:309px;">-</div><div id="a1146" style="position:absolute;font-family:'Arial';left:623px;top:309px;">-</div><div id="a1150" style="position:absolute;font-family:'Arial';left:678px;top:309px;">5,530,724</div><div id="a1152" style="position:absolute;font-family:'Arial';left:8px;top:329px;">PCRA </div><div id="a1155" style="position:absolute;font-family:'Arial';left:363px;top:329px;">399,824</div><div id="a1159" style="position:absolute;font-family:'Arial';left:513px;top:329px;">-</div><div id="a1163" style="position:absolute;font-family:'Arial';left:623px;top:329px;">-</div><div id="a1167" style="position:absolute;font-family:'Arial';left:689px;top:329px;">399,824</div><div id="a1169" style="position:absolute;font-family:'Arial';font-weight:bold;left:8px;top:350px;"><div style="display:inline-block;width:11px;white-space:pre"> </div>Total investments<div style="display:inline-block;width:5px;white-space:pre"> </div>at fair value </div><div id="a1172" style="position:absolute;font-family:'Arial';left:317px;top:350px;">$ </div><div id="a1174" style="position:absolute;font-family:'Arial';left:337px;top:350px;">157,872,834</div><div id="a1177" style="position:absolute;font-family:'Arial';left:427px;top:350px;">$ </div><div id="a1179" style="position:absolute;font-family:'Arial';left:513px;top:350px;">-</div><div id="a1182" style="position:absolute;font-family:'Arial';left:537px;top:350px;">$ </div><div id="a1184" style="position:absolute;font-family:'Arial';left:623px;top:350px;">-</div><div id="a1187" style="position:absolute;font-family:'Arial';left:647px;top:350px;">$ </div><div id="a1189" style="position:absolute;font-family:'Arial';left:667px;top:350px;">157,872,834</div></div></div> 179333706 0 0 179333706 5827990 0 0 5827990 42878 0 0 42878 185204574 0 0 185204574 151942286 0 0 151942286 5530724 0 0 5530724 399824 0 0 399824 157872834 0 0 157872834 <div id="TextBlockContainer62" style="position:relative;line-height:normal;width:717px;height:386px;"><div id="TextContainer62" style="position:relative;width:717px;z-index:1;font-size:13.28px;"><div id="a1232_3_30" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Party-In-Interest<div style="display:inline-block;width:1px;white-space:pre"> </div>Transactions</div><div id="a1240" style="position:absolute;font-family:'Arial';left:8px;top:31px;">Parties-in-interest are defined<div style="display:inline-block;width:6px;white-space:pre"> </div>under the provisions<div style="display:inline-block;width:5px;white-space:pre"> </div>of ERISA as<div style="display:inline-block;width:5px;white-space:pre"> </div>any fiduciary of<div style="display:inline-block;width:5px;white-space:pre"> </div>the Plan, any<div style="display:inline-block;width:5px;white-space:pre"> </div>party rendering service </div><div id="a1280" style="position:absolute;font-family:'Arial';left:8px;top:46px;">to the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan, any<div style="display:inline-block;width:5px;white-space:pre"> </div>employer (or<div style="display:inline-block;width:6px;white-space:pre"> </div>any affiliate),<div style="display:inline-block;width:6px;white-space:pre"> </div>any employee<div style="display:inline-block;width:6px;white-space:pre"> </div>of such<div style="display:inline-block;width:5px;white-space:pre"> </div>employer covered<div style="display:inline-block;width:6px;white-space:pre"> </div>by the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan, and<div style="display:inline-block;width:6px;white-space:pre"> </div>certain others. </div><div id="a1320" style="position:absolute;font-family:'Arial';left:8px;top:61px;">Certain<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan<div style="display:inline-block;width:7px;white-space:pre"> </div>investments<div style="display:inline-block;width:7px;white-space:pre"> </div>consist<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>investments<div style="display:inline-block;width:7px;white-space:pre"> </div>in<div style="display:inline-block;width:7px;white-space:pre"> </div>a<div style="display:inline-block;width:7px;white-space:pre"> </div>money<div style="display:inline-block;width:7px;white-space:pre"> </div>market<div style="display:inline-block;width:7px;white-space:pre"> </div>fund,<div style="display:inline-block;width:7px;white-space:pre"> </div>a<div style="display:inline-block;width:7px;white-space:pre"> </div>mutual<div style="display:inline-block;width:7px;white-space:pre"> </div>fund<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>PCRA<div style="display:inline-block;width:7px;white-space:pre"> </div>at<div style="display:inline-block;width:7px;white-space:pre"> </div>Charles </div><div id="a1356" style="position:absolute;font-family:'Arial';left:8px;top:77px;">Schwab, or affiliates, which is the provider of custodial<div style="display:inline-block;width:5px;white-space:pre"> </div>services as defined by the Plan since April 1, 2005.<div style="display:inline-block;width:5px;white-space:pre"> </div></div><div id="a1396" style="position:absolute;font-family:'Arial';left:8px;top:123px;">In addition,<div style="display:inline-block;width:6px;white-space:pre"> </div>as of<div style="display:inline-block;width:6px;white-space:pre"> </div>December<div style="display:inline-block;width:5px;white-space:pre"> </div>31, 2025<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>2024,<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>First BanCorp.<div style="display:inline-block;width:6px;white-space:pre"> </div>Unitized<div style="display:inline-block;width:5px;white-space:pre"> </div>Stock<div style="display:inline-block;width:5px;white-space:pre"> </div>Fund held </div><div id="a1396_91_7" style="position:absolute;font-family:'Arial';left:575px;top:123px;">281,138</div><div id="a1396_98_5" style="position:absolute;font-family:'Arial';left:624px;top:123px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>and </div><div id="a1396_103_7" style="position:absolute;font-family:'Arial';left:656px;top:123px;">297,511</div><div id="a1434" style="position:absolute;font-family:'Arial';left:8px;top:139px;">shares,<div style="display:inline-block;width:7px;white-space:pre"> </div>respectively,<div style="display:inline-block;width:8px;white-space:pre"> </div>with<div style="display:inline-block;width:7px;white-space:pre"> </div>a<div style="display:inline-block;width:7px;white-space:pre"> </div>quoted<div style="display:inline-block;width:7px;white-space:pre"> </div>market<div style="display:inline-block;width:7px;white-space:pre"> </div>value<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>$</div><div id="a1434_53_9" style="position:absolute;font-family:'Arial';left:343px;top:139px;">5,827,990</div><div id="a1434_62_6" style="position:absolute;font-family:'Arial';left:402px;top:139px;"><div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>$</div><div id="a1434_68_9" style="position:absolute;font-family:'Arial';left:446px;top:139px;">5,530,724</div><div id="a1434_77_34" style="position:absolute;font-family:'Arial';left:505px;top:139px;">,<div style="display:inline-block;width:7px;white-space:pre"> </div>respectively,<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>First<div style="display:inline-block;width:7px;white-space:pre"> </div>BanCorp. </div><div id="a1467" style="position:absolute;font-family:'Arial';left:8px;top:154px;">common<div style="display:inline-block;width:7px;white-space:pre"> </div>stock,<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>parent<div style="display:inline-block;width:7px;white-space:pre"> </div>company<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan<div style="display:inline-block;width:7px;white-space:pre"> </div>Sponsor.<div style="display:inline-block;width:7px;white-space:pre"> </div>The<div style="display:inline-block;width:7px;white-space:pre"> </div>First<div style="display:inline-block;width:7px;white-space:pre"> </div>BanCorp.<div style="display:inline-block;width:7px;white-space:pre"> </div>Unitized<div style="display:inline-block;width:7px;white-space:pre"> </div>Stock<div style="display:inline-block;width:7px;white-space:pre"> </div>Fund<div style="display:inline-block;width:7px;white-space:pre"> </div>also<div style="display:inline-block;width:7px;white-space:pre"> </div>has<div style="display:inline-block;width:7px;white-space:pre"> </div>an </div><div id="a1503" style="position:absolute;font-family:'Arial';left:8px;top:169px;">investment<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>money<div style="display:inline-block;width:6px;white-space:pre"> </div>market<div style="display:inline-block;width:6px;white-space:pre"> </div>fund<div style="display:inline-block;width:6px;white-space:pre"> </div>managed<div style="display:inline-block;width:6px;white-space:pre"> </div>by<div style="display:inline-block;width:6px;white-space:pre"> </div>State<div style="display:inline-block;width:6px;white-space:pre"> </div>Street.<div style="display:inline-block;width:6px;white-space:pre"> </div>State<div style="display:inline-block;width:6px;white-space:pre"> </div>Street<div style="display:inline-block;width:6px;white-space:pre"> </div>provides<div style="display:inline-block;width:6px;white-space:pre"> </div>Charles<div style="display:inline-block;width:6px;white-space:pre"> </div>Schwab<div style="display:inline-block;width:6px;white-space:pre"> </div>with,<div style="display:inline-block;width:6px;white-space:pre"> </div>among </div><div id="a1537" style="position:absolute;font-family:'Arial';left:8px;top:185px;">other things,<div style="display:inline-block;width:6px;white-space:pre"> </div>custody<div style="display:inline-block;width:5px;white-space:pre"> </div>services<div style="display:inline-block;width:5px;white-space:pre"> </div>for the<div style="display:inline-block;width:6px;white-space:pre"> </div>First<div style="display:inline-block;width:5px;white-space:pre"> </div>BanCorp.<div style="display:inline-block;width:5px;white-space:pre"> </div>Unitized<div style="display:inline-block;width:5px;white-space:pre"> </div>Stock<div style="display:inline-block;width:5px;white-space:pre"> </div>Fund.<div style="display:inline-block;width:5px;white-space:pre"> </div>For<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>year<div style="display:inline-block;width:5px;white-space:pre"> </div>ended<div style="display:inline-block;width:5px;white-space:pre"> </div>December<div style="display:inline-block;width:5px;white-space:pre"> </div>31, 2025, </div><div id="a1573" style="position:absolute;font-family:'Arial';left:8px;top:200px;">the Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>received dividend<div style="display:inline-block;width:6px;white-space:pre"> </div>income of<div style="display:inline-block;width:6px;white-space:pre"> </div>$</div><div id="a1573_38_7" style="position:absolute;font-family:'Arial';left:242px;top:200px;">203,194</div><div id="a1573_45_69" style="position:absolute;font-family:'Arial';left:291px;top:200px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>related to<div style="display:inline-block;width:6px;white-space:pre"> </div>the investment<div style="display:inline-block;width:6px;white-space:pre"> </div>in First<div style="display:inline-block;width:6px;white-space:pre"> </div>BanCorp. Unitized<div style="display:inline-block;width:6px;white-space:pre"> </div>Stock Fund<div style="display:inline-block;width:6px;white-space:pre"> </div>and </div><div id="a1610" style="position:absolute;font-family:'Arial';left:8px;top:215px;">recognized<div style="display:inline-block;width:7px;white-space:pre"> </div>net<div style="display:inline-block;width:7px;white-space:pre"> </div>gains<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>$</div><div id="a1610_25_7" style="position:absolute;font-family:'Arial';left:171px;top:215px;">787,704</div><div id="a1610_32_12" style="position:absolute;font-family:'Arial';left:219px;top:215px;">,<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>which<div style="display:inline-block;width:7px;white-space:pre"> </div>$</div><div id="a1610_44_7" style="position:absolute;font-family:'Arial';left:297px;top:215px;">725,913</div><div id="a1610_51_59" style="position:absolute;font-family:'Arial';left:345px;top:215px;"><div style="display:inline-block;width:7px;white-space:pre"> </div>relates<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>net<div style="display:inline-block;width:7px;white-space:pre"> </div>appreciation<div style="display:inline-block;width:7px;white-space:pre"> </div>in<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>fair<div style="display:inline-block;width:7px;white-space:pre"> </div>value<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>such </div><div id="a1656" style="position:absolute;font-family:'Arial';left:8px;top:231px;">investment.<div style="display:inline-block;width:6px;white-space:pre"> </div>Moreover,<div style="display:inline-block;width:7px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>relation<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>First<div style="display:inline-block;width:6px;white-space:pre"> </div>Bancorp.<div style="display:inline-block;width:6px;white-space:pre"> </div>Unitized<div style="display:inline-block;width:6px;white-space:pre"> </div>Stock<div style="display:inline-block;width:6px;white-space:pre"> </div>Fund,<div style="display:inline-block;width:6px;white-space:pre"> </div>during<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>year<div style="display:inline-block;width:6px;white-space:pre"> </div>ended<div style="display:inline-block;width:6px;white-space:pre"> </div>December<div style="display:inline-block;width:6px;white-space:pre"> </div>31, </div><div id="a1690" style="position:absolute;font-family:'Arial';left:8px;top:246px;">2025,<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>completed<div style="display:inline-block;width:6px;white-space:pre"> </div>purchases<div style="display:inline-block;width:6px;white-space:pre"> </div>or<div style="display:inline-block;width:6px;white-space:pre"> </div>acquisition<div style="display:inline-block;width:6px;white-space:pre"> </div>through<div style="display:inline-block;width:6px;white-space:pre"> </div>rollovers<div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>total<div style="display:inline-block;width:6px;white-space:pre"> </div>acquisition<div style="display:inline-block;width:6px;white-space:pre"> </div>price<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>$</div><div id="a1690_102_7" style="position:absolute;font-family:'Arial';left:627px;top:246px;">712,887</div><div id="a1690_109_5" style="position:absolute;font-family:'Arial';left:676px;top:246px;"><div style="display:inline-block;width:6px;white-space:pre"> </div>and </div><div id="a1726" style="position:absolute;font-family:'Arial';left:8px;top:261px;">completed<div style="display:inline-block;width:8px;white-space:pre"> </div>sales<div style="display:inline-block;width:8px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>distributions<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>shares<div style="display:inline-block;width:8px;white-space:pre"> </div>which<div style="display:inline-block;width:8px;white-space:pre"> </div>had<div style="display:inline-block;width:7px;white-space:pre"> </div>a<div style="display:inline-block;width:7px;white-space:pre"> </div>carrying<div style="display:inline-block;width:8px;white-space:pre"> </div>value<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>$</div><div id="a1726_75_9" style="position:absolute;font-family:'Arial';left:495px;top:261px;">1,157,426</div><div id="a1726_84_23" style="position:absolute;font-family:'Arial';left:555px;top:261px;"><div style="display:inline-block;width:8px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>sales<div style="display:inline-block;width:8px;white-space:pre"> </div>proceeds<div style="display:inline-block;width:8px;white-space:pre"> </div>of </div><div id="a1763" style="position:absolute;font-family:'Arial';left:8px;top:277px;">$</div><div id="a1763_1_9" style="position:absolute;font-family:'Arial';left:15px;top:277px;">1,219,217</div><div id="a1763_10_35" style="position:absolute;font-family:'Arial';left:74px;top:277px;">, resulting in a realized gain of $</div><div id="a1763_45_6" style="position:absolute;font-family:'Arial';left:263px;top:277px;">61,791</div><div id="a1763_51_2" style="position:absolute;font-family:'Arial';left:303px;top:277px;">. </div><div id="a1788" style="position:absolute;font-family:'Arial';left:8px;top:323px;">Plan assets<div style="display:inline-block;width:6px;white-space:pre"> </div>include notes<div style="display:inline-block;width:6px;white-space:pre"> </div>receivable<div style="display:inline-block;width:5px;white-space:pre"> </div>from participants<div style="display:inline-block;width:7px;white-space:pre"> </div>of $</div><div id="a1788_59_9" style="position:absolute;font-family:'Arial';left:360px;top:323px;">5,267,672</div><div id="a1788_68_6" style="position:absolute;font-family:'Arial';left:419px;top:323px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>and $</div><div id="a1788_74_9" style="position:absolute;font-family:'Arial';left:459px;top:323px;">4,659,024</div><div id="a1788_83_29" style="position:absolute;font-family:'Arial';left:518px;top:323px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>as of<div style="display:inline-block;width:6px;white-space:pre"> </div>December<div style="display:inline-block;width:5px;white-space:pre"> </div>31, 2025<div style="display:inline-block;width:6px;white-space:pre"> </div>and </div><div id="a1830" style="position:absolute;font-family:'Arial';left:8px;top:339px;">2024,<div style="display:inline-block;width:8px;white-space:pre"> </div>respectively.<div style="display:inline-block;width:9px;white-space:pre"> </div>For<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>year<div style="display:inline-block;width:8px;white-space:pre"> </div>ended<div style="display:inline-block;width:8px;white-space:pre"> </div>December<div style="display:inline-block;width:8px;white-space:pre"> </div>31,<div style="display:inline-block;width:8px;white-space:pre"> </div>2025,<div style="display:inline-block;width:8px;white-space:pre"> </div>interest<div style="display:inline-block;width:8px;white-space:pre"> </div>income<div style="display:inline-block;width:8px;white-space:pre"> </div>related<div style="display:inline-block;width:8px;white-space:pre"> </div>to<div style="display:inline-block;width:8px;white-space:pre"> </div>notes<div style="display:inline-block;width:8px;white-space:pre"> </div>receivable<div style="display:inline-block;width:8px;white-space:pre"> </div>from </div><div id="a1862" style="position:absolute;font-family:'Arial';left:8px;top:354px;">participants<div style="display:inline-block;width:6px;white-space:pre"> </div>amounted<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>$</div><div id="a1862_26_7" style="position:absolute;font-family:'Arial';left:170px;top:354px;">477,346</div><div id="a1862_33_83" style="position:absolute;font-family:'Arial';left:218px;top:354px;">.<div style="display:inline-block;width:5px;white-space:pre"> </div>These<div style="display:inline-block;width:5px;white-space:pre"> </div>transactions<div style="display:inline-block;width:6px;white-space:pre"> </div>qualify<div style="display:inline-block;width:5px;white-space:pre"> </div>as<div style="display:inline-block;width:5px;white-space:pre"> </div>party-in-interest<div style="display:inline-block;width:6px;white-space:pre"> </div>transactions<div style="display:inline-block;width:6px;white-space:pre"> </div>permitted<div style="display:inline-block;width:6px;white-space:pre"> </div>under<div style="display:inline-block;width:5px;white-space:pre"> </div>the </div><div id="a1894" style="position:absolute;font-family:'Arial';left:8px;top:369px;">provisions of ERISA.</div></div></div> 281138 297511 5827990 5530724 203194 787704 725913 712887 1157426 1219217 61791 5267672 4659024 477346 <div id="TextBlockContainer65" style="position:relative;line-height:normal;width:717px;height:293px;"><div id="TextContainer65" style="position:relative;width:717px;z-index:1;font-size:13.28px;"><div id="a1902_3_10" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">Tax Status</div><div id="a1906" style="position:absolute;font-family:'Arial';left:8px;top:31px;">The Plan </div><div id="a1906_9_8" style="position:absolute;font-family:'Arial';left:67px;top:31px;">obtained</div><div id="a1906_17_36" style="position:absolute;font-family:'Arial';left:118px;top:31px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>its latest<div style="display:inline-block;width:6px;white-space:pre"> </div>determination<div style="display:inline-block;width:5px;white-space:pre"> </div>letter<div style="display:inline-block;width:5px;white-space:pre"> </div>on </div><div id="a1906_53_14" style="position:absolute;font-family:'Arial';left:319px;top:31px;">March 17, 2023</div><div id="a1906_67_47" style="position:absolute;font-family:'Arial';left:414px;top:31px;">, in<div style="display:inline-block;width:6px;white-space:pre"> </div>which<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>Puerto<div style="display:inline-block;width:5px;white-space:pre"> </div>Rico<div style="display:inline-block;width:5px;white-space:pre"> </div>Treasury<div style="display:inline-block;width:6px;white-space:pre"> </div>Department </div><div id="a1910" style="position:absolute;font-family:'Arial';left:8px;top:46px;">determined<div style="display:inline-block;width:6px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>informed<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Bank<div style="display:inline-block;width:5px;white-space:pre"> </div>that<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>is<div style="display:inline-block;width:5px;white-space:pre"> </div>designed<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>accordance<div style="display:inline-block;width:6px;white-space:pre"> </div>with<div style="display:inline-block;width:6px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>applicable<div style="display:inline-block;width:6px;white-space:pre"> </div>sections<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:6px;white-space:pre"> </div>PR </div><div id="a1911" style="position:absolute;font-family:'Arial';left:8px;top:61px;">Code and,<div style="display:inline-block;width:6px;white-space:pre"> </div>therefore,<div style="display:inline-block;width:5px;white-space:pre"> </div>exempt<div style="display:inline-block;width:5px;white-space:pre"> </div>from income<div style="display:inline-block;width:6px;white-space:pre"> </div>taxes. Therefore,<div style="display:inline-block;width:6px;white-space:pre"> </div>no provision<div style="display:inline-block;width:6px;white-space:pre"> </div>for income<div style="display:inline-block;width:6px;white-space:pre"> </div>taxes<div style="display:inline-block;width:5px;white-space:pre"> </div>has been<div style="display:inline-block;width:6px;white-space:pre"> </div>included<div style="display:inline-block;width:5px;white-space:pre"> </div>in the </div><div id="a1912" style="position:absolute;font-family:'Arial';left:8px;top:77px;">Plan’s financial statements. </div><div id="a1915" style="position:absolute;font-family:'Arial';left:8px;top:107px;">The Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>Administrator and<div style="display:inline-block;width:5px;white-space:pre"> </div>the Plan’s<div style="display:inline-block;width:5px;white-space:pre"> </div>tax counsel<div style="display:inline-block;width:5px;white-space:pre"> </div>believe that<div style="display:inline-block;width:5px;white-space:pre"> </div>the Plan<div style="display:inline-block;width:5px;white-space:pre"> </div>is designed,<div style="display:inline-block;width:5px;white-space:pre"> </div>and is<div style="display:inline-block;width:5px;white-space:pre"> </div>currently being<div style="display:inline-block;width:5px;white-space:pre"> </div>operated, </div><div id="a1916" style="position:absolute;font-family:'Arial';left:8px;top:123px;">in compliance with the applicable<div style="display:inline-block;width:5px;white-space:pre"> </div>requirements of the PR<div style="display:inline-block;width:5px;white-space:pre"> </div>Code and, therefore, believe<div style="display:inline-block;width:5px;white-space:pre"> </div>that the Plan is </div><div id="a1916_103_9" style="position:absolute;font-family:'Arial';left:614px;top:123px;-sec-ix-hidden:ID_245;">qualified</div><div id="a1916_112_8" style="position:absolute;font-family:'Arial';left:664px;top:123px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>and is </div><div id="a1917" style="position:absolute;font-family:'Arial';left:8px;top:138px;">tax exempt. </div><div id="a1920" style="position:absolute;font-family:'Arial';left:8px;top:169px;">Accounting<div style="display:inline-block;width:5px;white-space:pre"> </div>principles<div style="display:inline-block;width:5px;white-space:pre"> </div>generally<div style="display:inline-block;width:5px;white-space:pre"> </div>accepted<div style="display:inline-block;width:5px;white-space:pre"> </div>in<div style="display:inline-block;width:5px;white-space:pre"> </div>the<div style="display:inline-block;width:5px;white-space:pre"> </div>United<div style="display:inline-block;width:5px;white-space:pre"> </div>States<div style="display:inline-block;width:5px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>America<div style="display:inline-block;width:5px;white-space:pre"> </div>require<div style="display:inline-block;width:5px;white-space:pre"> </div>plan<div style="display:inline-block;width:5px;white-space:pre"> </div>management<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>evaluate<div style="display:inline-block;width:5px;white-space:pre"> </div>tax </div><div id="a1921" style="position:absolute;font-family:'Arial';left:8px;top:184px;">positions taken<div style="display:inline-block;width:5px;white-space:pre"> </div>by the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan and<div style="display:inline-block;width:5px;white-space:pre"> </div>recognize a<div style="display:inline-block;width:5px;white-space:pre"> </div>tax liability<div style="display:inline-block;width:5px;white-space:pre"> </div>(or asset)<div style="display:inline-block;width:5px;white-space:pre"> </div>if the<div style="display:inline-block;width:5px;white-space:pre"> </div>Plan has<div style="display:inline-block;width:5px;white-space:pre"> </div>taken an<div style="display:inline-block;width:5px;white-space:pre"> </div>uncertain tax<div style="display:inline-block;width:5px;white-space:pre"> </div>position that </div><div id="a1922" style="position:absolute;font-family:'Arial';left:8px;top:199px;">more likely<div style="display:inline-block;width:6px;white-space:pre"> </div>than<div style="display:inline-block;width:5px;white-space:pre"> </div>not would<div style="display:inline-block;width:6px;white-space:pre"> </div>not be<div style="display:inline-block;width:6px;white-space:pre"> </div>sustained<div style="display:inline-block;width:5px;white-space:pre"> </div>upon examination<div style="display:inline-block;width:7px;white-space:pre"> </div>by federal,<div style="display:inline-block;width:6px;white-space:pre"> </div>state<div style="display:inline-block;width:5px;white-space:pre"> </div>and/<div style="display:inline-block;width:5px;white-space:pre"> </div>or local<div style="display:inline-block;width:6px;white-space:pre"> </div>taxing<div style="display:inline-block;width:5px;white-space:pre"> </div>authorities.<div style="display:inline-block;width:5px;white-space:pre"> </div>The </div><div id="a1923" style="position:absolute;font-family:'Arial';left:8px;top:215px;">plan administrator<div style="display:inline-block;width:5px;white-space:pre"> </div>has analyzed<div style="display:inline-block;width:5px;white-space:pre"> </div>the tax<div style="display:inline-block;width:5px;white-space:pre"> </div>positions by<div style="display:inline-block;width:5px;white-space:pre"> </div>the Plan,<div style="display:inline-block;width:5px;white-space:pre"> </div>and has<div style="display:inline-block;width:5px;white-space:pre"> </div>concluded that<div style="display:inline-block;width:5px;white-space:pre"> </div>as of<div style="display:inline-block;width:5px;white-space:pre"> </div>December 31,<div style="display:inline-block;width:6px;white-space:pre"> </div>2025 and </div><div id="a1924" style="position:absolute;font-family:'Arial';left:8px;top:230px;">2024, there<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>no<div style="display:inline-block;width:5px;white-space:pre"> </div>uncertain<div style="display:inline-block;width:5px;white-space:pre"> </div>positions<div style="display:inline-block;width:5px;white-space:pre"> </div>taken<div style="display:inline-block;width:5px;white-space:pre"> </div>or expected<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>be<div style="display:inline-block;width:5px;white-space:pre"> </div>taken<div style="display:inline-block;width:5px;white-space:pre"> </div>that<div style="display:inline-block;width:5px;white-space:pre"> </div>would<div style="display:inline-block;width:5px;white-space:pre"> </div>require<div style="display:inline-block;width:5px;white-space:pre"> </div>recognition<div style="display:inline-block;width:5px;white-space:pre"> </div>of<div style="display:inline-block;width:5px;white-space:pre"> </div>a<div style="display:inline-block;width:5px;white-space:pre"> </div>liability (or </div><div id="a1925" style="position:absolute;font-family:'Arial';left:8px;top:245px;">asset) or<div style="display:inline-block;width:5px;white-space:pre"> </div>disclosure in<div style="display:inline-block;width:5px;white-space:pre"> </div>the financial<div style="display:inline-block;width:5px;white-space:pre"> </div>statements. The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan is<div style="display:inline-block;width:5px;white-space:pre"> </div>subject to<div style="display:inline-block;width:5px;white-space:pre"> </div>routine audits<div style="display:inline-block;width:5px;white-space:pre"> </div>by taxing<div style="display:inline-block;width:5px;white-space:pre"> </div>jurisdictions; however, </div><div id="a1926" style="position:absolute;font-family:'Arial';left:8px;top:261px;">there are currently<div style="display:inline-block;width:6px;white-space:pre"> </div>no audits for<div style="display:inline-block;width:5px;white-space:pre"> </div>any tax<div style="display:inline-block;width:5px;white-space:pre"> </div>periods in progress.<div style="display:inline-block;width:6px;white-space:pre"> </div>The plan administrator<div style="display:inline-block;width:6px;white-space:pre"> </div>believes it is<div style="display:inline-block;width:6px;white-space:pre"> </div>no longer subject<div style="display:inline-block;width:6px;white-space:pre"> </div>to </div><div id="a1927" style="position:absolute;font-family:'Arial';left:8px;top:276px;">income tax examinations for years prior to 2021.</div></div></div> true 2023-03-17 <div id="TextBlockContainer68" style="position:relative;line-height:normal;width:714px;height:93px;"><div id="TextContainer68" style="position:relative;width:714px;z-index:1;font-size:13.28px;"><div id="a1945_4_16" style="position:absolute;font-family:'Arial';font-weight:bold;left:6px;top:0px;">Plan Termination</div><div id="a1949" style="position:absolute;font-family:'Arial';left:5px;top:31px;">Although<div style="display:inline-block;width:8px;white-space:pre"> </div>it<div style="display:inline-block;width:8px;white-space:pre"> </div>has<div style="display:inline-block;width:8px;white-space:pre"> </div>not<div style="display:inline-block;width:8px;white-space:pre"> </div>expressed<div style="display:inline-block;width:8px;white-space:pre"> </div>any<div style="display:inline-block;width:8px;white-space:pre"> </div>intent<div style="display:inline-block;width:8px;white-space:pre"> </div>to<div style="display:inline-block;width:8px;white-space:pre"> </div>do<div style="display:inline-block;width:8px;white-space:pre"> </div>so,<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>Bank<div style="display:inline-block;width:8px;white-space:pre"> </div>has<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>right<div style="display:inline-block;width:8px;white-space:pre"> </div>under<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>Plan<div style="display:inline-block;width:8px;white-space:pre"> </div>to<div style="display:inline-block;width:8px;white-space:pre"> </div>discontinue<div style="display:inline-block;width:8px;white-space:pre"> </div>its </div><div id="a1950" style="position:absolute;font-family:'Arial';left:5px;top:46px;">contributions<div style="display:inline-block;width:7px;white-space:pre"> </div>at<div style="display:inline-block;width:7px;white-space:pre"> </div>any<div style="display:inline-block;width:7px;white-space:pre"> </div>time<div style="display:inline-block;width:7px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>terminate<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan<div style="display:inline-block;width:7px;white-space:pre"> </div>subject<div style="display:inline-block;width:7px;white-space:pre"> </div>to<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>provisions<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>ERISA.<div style="display:inline-block;width:14px;white-space:pre"> </div>In<div style="display:inline-block;width:7px;white-space:pre"> </div>the<div style="display:inline-block;width:7px;white-space:pre"> </div>event<div style="display:inline-block;width:7px;white-space:pre"> </div>of<div style="display:inline-block;width:7px;white-space:pre"> </div>Plan </div><div id="a1951" style="position:absolute;font-family:'Arial';left:5px;top:61px;">termination, participants<div style="display:inline-block;width:6px;white-space:pre"> </div>will become </div><div id="a1951_38_3" style="position:absolute;font-family:'Arial';left:227px;top:61px;">100</div><div id="a1951_41_76" style="position:absolute;font-family:'Arial';left:250px;top:61px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>percent vested<div style="display:inline-block;width:6px;white-space:pre"> </div>in their<div style="display:inline-block;width:6px;white-space:pre"> </div>accounts and<div style="display:inline-block;width:6px;white-space:pre"> </div>such termination<div style="display:inline-block;width:6px;white-space:pre"> </div>shall not<div style="display:inline-block;width:6px;white-space:pre"> </div>reduce the </div><div id="a1952" style="position:absolute;font-family:'Arial';left:5px;top:77px;">interest of any participating employee or their beneficiaries<div style="display:inline-block;width:5px;white-space:pre"> </div>accrued under the Plan up to the date of such termination.</div></div></div> 1 <div id="TextBlockContainer71" style="position:relative;line-height:normal;width:715px;height:93px;"><div id="TextContainer71" style="position:relative;width:715px;z-index:1;font-size:13.28px;"><div id="a1956_1_17" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;letter-spacing:-0.16px;">Forfeited Amounts</div><div id="a1960" style="position:absolute;font-family:'Arial';left:5px;top:31px;">Forfeited<div style="display:inline-block;width:5px;white-space:pre"> </div>nonvested<div style="display:inline-block;width:5px;white-space:pre"> </div>accounts<div style="display:inline-block;width:5px;white-space:pre"> </div>amounted<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>$</div><div id="a1960_42_1" style="position:absolute;font-family:'Arial';left:276px;top:31px;">6</div><div id="a1960_43_27" style="position:absolute;font-family:'Arial';left:283px;top:31px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>as of<div style="display:inline-block;width:7px;white-space:pre"> </div>December<div style="display:inline-block;width:5px;white-space:pre"> </div>31,<div style="display:inline-block;width:5px;white-space:pre"> </div>2025<div style="display:inline-block;width:5px;white-space:pre"> </div>($</div><div id="a1960_70_2" style="position:absolute;font-family:'Arial';left:460px;top:31px;">46</div><div id="a1960_72_37" style="position:absolute;font-family:'Arial';left:475px;top:31px;"><div style="display:inline-block;width:5px;white-space:pre"> </div>as of<div style="display:inline-block;width:6px;white-space:pre"> </div>December<div style="display:inline-block;width:5px;white-space:pre"> </div>31,<div style="display:inline-block;width:5px;white-space:pre"> </div>2024).<div style="display:inline-block;width:5px;white-space:pre"> </div>Forfeited </div><div id="a1967" style="position:absolute;font-family:'Arial';left:5px;top:46px;">accounts,<div style="display:inline-block;width:9px;white-space:pre"> </div>if<div style="display:inline-block;width:9px;white-space:pre"> </div>any,<div style="display:inline-block;width:10px;white-space:pre"> </div>are<div style="display:inline-block;width:9px;white-space:pre"> </div>transferred<div style="display:inline-block;width:9px;white-space:pre"> </div>by<div style="display:inline-block;width:9px;white-space:pre"> </div>the<div style="display:inline-block;width:9px;white-space:pre"> </div>Plan<div style="display:inline-block;width:9px;white-space:pre"> </div>administrator<div style="display:inline-block;width:9px;white-space:pre"> </div>to<div style="display:inline-block;width:9px;white-space:pre"> </div>an<div style="display:inline-block;width:9px;white-space:pre"> </div>unallocated<div style="display:inline-block;width:9px;white-space:pre"> </div>account<div style="display:inline-block;width:9px;white-space:pre"> </div>to<div style="display:inline-block;width:9px;white-space:pre"> </div>be<div style="display:inline-block;width:9px;white-space:pre"> </div>used<div style="display:inline-block;width:9px;white-space:pre"> </div>to<div style="display:inline-block;width:9px;white-space:pre"> </div>cover </div><div id="a1968" style="position:absolute;font-family:'Arial';left:5px;top:61px;">administrative expenses<div style="display:inline-block;width:5px;white-space:pre"> </div>of the Plan or<div style="display:inline-block;width:5px;white-space:pre"> </div>reduce the Bank’s<div style="display:inline-block;width:6px;white-space:pre"> </div>future contributions. Forfeitures<div style="display:inline-block;width:6px;white-space:pre"> </div>amounting to $</div><div id="a1968_105_6" style="position:absolute;font-family:'Arial';left:627px;top:61px;">10,566</div><div id="a1968_111_6" style="position:absolute;font-family:'Arial';left:668px;top:61px;"><div style="display:inline-block;width:4px;white-space:pre"> </div>were </div><div id="a1974" style="position:absolute;font-family:'Arial';left:5px;top:77px;">used to reduce the Bank’s contributions during<div style="display:inline-block;width:5px;white-space:pre"> </div>2025.</div></div></div> 6 46 10566 <div id="TextBlockContainer74" style="position:relative;line-height:normal;width:738px;height:217px;"><div id="TextContainer74" style="position:relative;width:738px;z-index:1;font-size:13.28px;"><div id="a1980_3_23" style="position:absolute;font-family:'Arial';font-weight:bold;left:26px;top:0px;letter-spacing:-0.16px;">Risks and Uncertainties</div><div id="a1984" style="position:absolute;font-family:'Arial';left:29px;top:31px;">The<div style="display:inline-block;width:8px;white-space:pre"> </div>Plan<div style="display:inline-block;width:8px;white-space:pre"> </div>provides<div style="display:inline-block;width:8px;white-space:pre"> </div>for<div style="display:inline-block;width:8px;white-space:pre"> </div>investment<div style="display:inline-block;width:8px;white-space:pre"> </div>options<div style="display:inline-block;width:8px;white-space:pre"> </div>in<div style="display:inline-block;width:7px;white-space:pre"> </div>various<div style="display:inline-block;width:8px;white-space:pre"> </div>funds<div style="display:inline-block;width:8px;white-space:pre"> </div>that<div style="display:inline-block;width:8px;white-space:pre"> </div>invest<div style="display:inline-block;width:8px;white-space:pre"> </div>in<div style="display:inline-block;width:8px;white-space:pre"> </div>equity<div style="display:inline-block;width:8px;white-space:pre"> </div>and<div style="display:inline-block;width:7px;white-space:pre"> </div>debt<div style="display:inline-block;width:8px;white-space:pre"> </div>securities<div style="display:inline-block;width:8px;white-space:pre"> </div>and<div style="display:inline-block;width:8px;white-space:pre"> </div>other </div><div id="a1985" style="position:absolute;font-family:'Arial';left:29px;top:46px;">investments.<div style="display:inline-block;width:5px;white-space:pre"> </div>Such<div style="display:inline-block;width:5px;white-space:pre"> </div>investments<div style="display:inline-block;width:6px;white-space:pre"> </div>are<div style="display:inline-block;width:5px;white-space:pre"> </div>exposed<div style="display:inline-block;width:5px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>various<div style="display:inline-block;width:6px;white-space:pre"> </div>risks,<div style="display:inline-block;width:5px;white-space:pre"> </div>such<div style="display:inline-block;width:5px;white-space:pre"> </div>as<div style="display:inline-block;width:5px;white-space:pre"> </div>interest<div style="display:inline-block;width:5px;white-space:pre"> </div>rate,<div style="display:inline-block;width:5px;white-space:pre"> </div>market<div style="display:inline-block;width:5px;white-space:pre"> </div>and<div style="display:inline-block;width:5px;white-space:pre"> </div>credit<div style="display:inline-block;width:5px;white-space:pre"> </div>risks.<div style="display:inline-block;width:6px;white-space:pre"> </div>Market </div><div id="a1986" style="position:absolute;font-family:'Arial';left:29px;top:61px;">values of investments may<div style="display:inline-block;width:5px;white-space:pre"> </div>decline for a number of<div style="display:inline-block;width:5px;white-space:pre"> </div>reasons, including changes in<div style="display:inline-block;width:5px;white-space:pre"> </div>prevailing market and interest<div style="display:inline-block;width:5px;white-space:pre"> </div>rates, </div><div id="a1987" style="position:absolute;font-family:'Arial';left:29px;top:77px;">increases in defaults<div style="display:inline-block;width:5px;white-space:pre"> </div>and credit rating<div style="display:inline-block;width:6px;white-space:pre"> </div>downgrades, as<div style="display:inline-block;width:5px;white-space:pre"> </div>well as the<div style="display:inline-block;width:5px;white-space:pre"> </div>risk associated<div style="display:inline-block;width:5px;white-space:pre"> </div>with global events.<div style="display:inline-block;width:5px;white-space:pre"> </div>Due to the<div style="display:inline-block;width:5px;white-space:pre"> </div>level </div><div id="a1988" style="position:absolute;font-family:'Arial';left:29px;top:92px;">of<div style="display:inline-block;width:8px;white-space:pre"> </div>risk<div style="display:inline-block;width:8px;white-space:pre"> </div>associated<div style="display:inline-block;width:9px;white-space:pre"> </div>with<div style="display:inline-block;width:8px;white-space:pre"> </div>certain<div style="display:inline-block;width:8px;white-space:pre"> </div>investments<div style="display:inline-block;width:9px;white-space:pre"> </div>and<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>level<div style="display:inline-block;width:8px;white-space:pre"> </div>of<div style="display:inline-block;width:8px;white-space:pre"> </div>uncertainty<div style="display:inline-block;width:8px;white-space:pre"> </div>related<div style="display:inline-block;width:9px;white-space:pre"> </div>to<div style="display:inline-block;width:8px;white-space:pre"> </div>changes<div style="display:inline-block;width:9px;white-space:pre"> </div>in<div style="display:inline-block;width:8px;white-space:pre"> </div>the<div style="display:inline-block;width:8px;white-space:pre"> </div>values<div style="display:inline-block;width:8px;white-space:pre"> </div>of </div><div id="a1989" style="position:absolute;font-family:'Arial';left:29px;top:107px;">investments,<div style="display:inline-block;width:5px;white-space:pre"> </div>it<div style="display:inline-block;width:5px;white-space:pre"> </div>is at<div style="display:inline-block;width:6px;white-space:pre"> </div>least<div style="display:inline-block;width:5px;white-space:pre"> </div>reasonably<div style="display:inline-block;width:5px;white-space:pre"> </div>possible<div style="display:inline-block;width:5px;white-space:pre"> </div>that<div style="display:inline-block;width:5px;white-space:pre"> </div>changes in<div style="display:inline-block;width:6px;white-space:pre"> </div>these<div style="display:inline-block;width:5px;white-space:pre"> </div>factors<div style="display:inline-block;width:5px;white-space:pre"> </div>in the<div style="display:inline-block;width:6px;white-space:pre"> </div>near<div style="display:inline-block;width:5px;white-space:pre"> </div>term would<div style="display:inline-block;width:6px;white-space:pre"> </div>materially<div style="display:inline-block;width:5px;white-space:pre"> </div>affect </div><div id="a1990" style="position:absolute;font-family:'Arial';left:29px;top:123px;">participants’ account<div style="display:inline-block;width:5px;white-space:pre"> </div>balances and the<div style="display:inline-block;width:6px;white-space:pre"> </div>amounts reported<div style="display:inline-block;width:5px;white-space:pre"> </div>in the statement<div style="display:inline-block;width:6px;white-space:pre"> </div>of net assets<div style="display:inline-block;width:6px;white-space:pre"> </div>available for<div style="display:inline-block;width:5px;white-space:pre"> </div>benefits and<div style="display:inline-block;width:5px;white-space:pre"> </div>the </div><div id="a1991" style="position:absolute;font-family:'Arial';left:29px;top:138px;">statement<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>changes<div style="display:inline-block;width:6px;white-space:pre"> </div>in<div style="display:inline-block;width:6px;white-space:pre"> </div>net<div style="display:inline-block;width:6px;white-space:pre"> </div>assets<div style="display:inline-block;width:6px;white-space:pre"> </div>available<div style="display:inline-block;width:6px;white-space:pre"> </div>for<div style="display:inline-block;width:6px;white-space:pre"> </div>benefits.<div style="display:inline-block;width:6px;white-space:pre"> </div>The<div style="display:inline-block;width:6px;white-space:pre"> </div>Plan’s<div style="display:inline-block;width:6px;white-space:pre"> </div>exposure<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:6px;white-space:pre"> </div>a<div style="display:inline-block;width:6px;white-space:pre"> </div>concentration<div style="display:inline-block;width:6px;white-space:pre"> </div>of<div style="display:inline-block;width:6px;white-space:pre"> </div>credit<div style="display:inline-block;width:6px;white-space:pre"> </div>risk<div style="display:inline-block;width:6px;white-space:pre"> </div>is </div><div id="a1992" style="position:absolute;font-family:'Arial';left:29px;top:153px;">dependent upon the investments selected by the participants. </div><div id="a1994" style="position:absolute;font-family:'Arial';left:29px;top:185px;">The Plan<div style="display:inline-block;width:6px;white-space:pre"> </div>is subject<div style="display:inline-block;width:6px;white-space:pre"> </div>to<div style="display:inline-block;width:5px;white-space:pre"> </div>legal proceedings<div style="display:inline-block;width:6px;white-space:pre"> </div>and claims<div style="display:inline-block;width:6px;white-space:pre"> </div>which might<div style="display:inline-block;width:6px;white-space:pre"> </div>arise in<div style="display:inline-block;width:6px;white-space:pre"> </div>the ordinary<div style="display:inline-block;width:6px;white-space:pre"> </div>course of<div style="display:inline-block;width:6px;white-space:pre"> </div>its activities.<div style="display:inline-block;width:6px;white-space:pre"> </div>At this </div><div id="a1995" style="position:absolute;font-family:'Arial';left:29px;top:200px;">time, there are no legal proceedings against the Plan that<div style="display:inline-block;width:5px;white-space:pre"> </div>might impact the financial statements.</div></div></div> <div id="TextBlockContainer77" style="position:relative;line-height:normal;width:442px;height:78px;"><div id="TextContainer77" style="position:relative;width:442px;z-index:1;font-size:13.28px;"><div id="a2000" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:0px;">The FirstBank 401(k) Retirement Plan for Residents of Puerto<div style="display:inline-block;width:5px;white-space:pre"> </div>Rico<div style="display:inline-block;width:4px;white-space:pre"> </div></div><div id="a2002" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:15px;">EIN #: </div><div id="a2002_7_10" style="position:absolute;font-family:'Arial';font-weight:bold;left:46px;top:15px;">66-0183103</div><div id="a2006" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:31px;">Plan #: </div><div id="a2006_8_3" style="position:absolute;font-family:'Arial';font-weight:bold;left:52px;top:31px;">002</div><div id="a2008" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:46px;">Schedule H, Line 4(i) – Schedule of Assets (Held at<div style="display:inline-block;width:5px;white-space:pre"> </div>End of Year) </div><div id="a2013" style="position:absolute;font-family:'Arial';font-weight:bold;left:5px;top:61px;">December 31, 2025</div></div></div><div id="TextBlockContainer80" style="position:relative;line-height:normal;width:736px;height:769px;"><div style="position:absolute; width:23.1px; height:1.9px; left:4px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:264px; height:1.9px; left:35.1px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:117px; height:1.9px; left:307.1px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:1.9px; height:1.9px; left:424.1px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:77.2px; height:1.9px; left:426px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:1.9px; height:1.9px; left:503.2px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:44px; height:1.9px; left:505.1px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:50.1px; height:1.9px; left:557.1px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:105px; height:1.9px; left:623.2px; top:46.4px; background-color:#000000; "> </div> <div style="position:absolute; width:264px; height:20px; left:35.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:258.8px; height:13.9px; left:37.6px; top:69.5px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:20px; left:299.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:299.1px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:20px; left:307.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:111.7px; height:13.8px; left:309.7px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:20px; left:424.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:69.6px; height:13.8px; left:426.8px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:20px; left:503.2px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:40.8px; height:13.8px; left:505.7px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:20px; left:549.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:549.1px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:20px; left:557.1px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:44.6px; height:13.8px; left:559.8px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:20px; left:607.2px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:6.7px; height:13.8px; left:609.7px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:20px; left:623.2px; top:66.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:95.7px; height:13.8px; left:625.8px; top:72.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:86.4px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:86.4px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; height:1px; left:623.8px; top:86.4px; background-color:#000000; "> </div> <div style="position:absolute; width:264px; height:19.4px; left:35.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:258.8px; height:13.9px; left:37.6px; top:109.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:299.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:299.1px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:19.4px; left:307.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:13.8px; left:307.1px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:19.4px; left:424.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:13.8px; left:424.1px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:19.4px; left:503.2px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:13.8px; left:503.2px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:549.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:549.1px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:19.4px; left:557.1px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:13.8px; left:557.1px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:19.4px; left:607.2px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.8px; left:607.2px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:19.4px; left:623.2px; top:107.1px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:13.8px; left:623.2px; top:112.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:264px; height:1px; left:35.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:299.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:1px; left:307.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:1px; left:424.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:1px; left:503.2px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:549.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:1px; left:557.1px; top:106.4px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:106.4px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:106.4px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; 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left:426.8px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:19.4px; left:503.2px; top:145.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:40.8px; height:13.8px; left:505.7px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:549.1px; top:145.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:549.1px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:19.4px; left:557.1px; top:145.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:44.6px; height:13.8px; left:559.8px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:19.4px; left:607.2px; top:145.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.8px; left:607.2px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:19.4px; left:623.2px; top:145.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:95.7px; height:13.8px; left:625.8px; top:151.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:264px; height:19.4px; left:35.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:258.8px; height:13.9px; left:37.6px; top:186.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:299.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.9px; left:299.1px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:19.4px; left:307.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:111.7px; height:13.9px; left:309.7px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:19.4px; left:424.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:69.6px; height:13.9px; left:426.8px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:19.4px; left:503.2px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:40.8px; height:13.9px; left:505.7px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:549.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.9px; left:549.1px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:19.4px; left:557.1px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:44.6px; height:13.9px; left:559.8px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:19.4px; left:607.2px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.9px; left:607.2px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:19.4px; left:623.2px; top:184.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:95.7px; height:13.9px; left:625.8px; top:189.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:264px; height:19.2px; left:35.1px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:258.8px; height:13.8px; left:37.6px; top:225.5px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.2px; left:299.1px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:299.1px; top:228.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:19.2px; left:307.1px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:111.7px; height:13.8px; left:309.7px; top:228.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:19.2px; left:424.1px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:69.6px; height:13.8px; left:426.8px; top:228.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:19.2px; left:503.2px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:40.8px; height:13.8px; left:505.7px; top:228.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.2px; left:549.1px; top:222.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:549.1px; top:228.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; 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</div> <div style="position:absolute; width:8px; height:13.9px; left:299.1px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:18.7px; left:307.1px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:13.9px; left:307.1px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:18.7px; left:424.1px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:13.9px; left:424.1px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:18.7px; left:503.2px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:13.9px; left:503.2px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:18.7px; left:549.1px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.9px; left:549.1px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:18.7px; left:557.1px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:13.9px; left:557.1px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:18.7px; left:607.2px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.9px; left:607.2px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:18.7px; left:623.2px; top:551px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:95.7px; height:13.9px; left:625.8px; top:555.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:264px; height:1px; left:35.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:299.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:1px; left:307.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:1px; left:424.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:1px; left:503.2px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:549.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:1px; left:557.1px; top:550.3px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:550.3px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:550.3px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; height:1px; left:623.8px; top:550.3px; background-color:#000000; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:569.7px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:569.7px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; height:1px; left:623.8px; top:569.7px; background-color:#000000; "> </div> <div style="position:absolute; width:272px; height:20px; left:35.1px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:266.8px; height:13.9px; left:37.6px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:196.1px; height:20px; left:307.1px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:190.8px; height:13.9px; left:309.7px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:20px; left:503.2px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:13.9px; left:503.2px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:20px; left:549.1px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.9px; left:549.1px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:20px; left:557.1px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:13.9px; left:557.1px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:20px; left:607.2px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.9px; left:607.2px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:20px; left:623.2px; top:589.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:13.9px; left:623.2px; top:595.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:389px; height:20px; left:35.1px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:383.7px; height:13.9px; left:37.6px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:20px; left:424.1px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:13.9px; left:424.1px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:20px; left:503.2px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:13.9px; left:503.2px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:20px; left:549.1px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.9px; left:549.1px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:20px; left:557.1px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:13.9px; left:557.1px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:20px; left:607.2px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.9px; left:607.2px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:20px; left:623.2px; top:625.7px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:13.9px; left:623.2px; top:631.8px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:264px; height:19.4px; left:35.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:258.8px; height:13.8px; left:37.6px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:299.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:299.1px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:19.4px; left:307.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:13.8px; left:307.1px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:19.4px; left:424.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:13.8px; left:424.1px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:19.4px; left:503.2px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:13.8px; left:503.2px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:19.4px; left:549.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:13.8px; left:549.1px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:19.4px; left:557.1px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:13.8px; left:557.1px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:19.4px; left:607.2px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:13.8px; left:607.2px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:105px; height:19.4px; left:623.2px; top:661.6px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:95.7px; height:13.8px; left:625.8px; top:667.2px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:21px; height:1px; left:35.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:243.1px; height:1px; left:56px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:299.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:117px; height:1px; left:307.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:79.1px; height:1px; left:424.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:45.9px; height:1px; left:503.2px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:8px; height:1px; left:549.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:50.1px; height:1px; left:557.1px; top:660.9px; background-color:#CCEEFF; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:660.9px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:660.9px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; height:1px; left:623.8px; top:660.9px; background-color:#000000; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:680.9px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:623.2px; top:680.9px; background-color:#000000; "> </div> <div style="position:absolute; width:104.3px; height:1px; left:623.8px; top:680.9px; background-color:#000000; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:701.9px; background-color:#000000; "> </div> <div style="position:absolute; width:16px; height:1px; left:607.2px; top:703.8px; background-color:#000000; "> </div> <div style="position:absolute; width:2.9px; height:1px; left:623.2px; top:701.9px; background-color:#000000; "> </div> <div style="position:absolute; width:2.9px; height:1px; left:623.2px; top:703.8px; background-color:#000000; "> </div> <div style="position:absolute; width:102.1px; height:1px; left:626.1px; top:701.9px; background-color:#000000; "> </div> <div style="position:absolute; width:102.1px; height:1px; left:626.1px; top:703.8px; background-color:#000000; "> </div> <div style="position:absolute; width:23.1px; height:1px; left:4px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:27.1px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:7.4px; height:1px; left:27.7px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:35.1px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:20.3px; height:1px; left:35.7px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:1px; height:1px; left:56px; top:708px; background-color:#000000; "> </div> <div style="position:absolute; width:242.4px; height:1px; left:56.7px; top:708px; background-color:#000000; "> </div> <div id="TextContainer80" style="position:relative;width:736px;z-index:1;font-size:13.28px;"><div id="a2019" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:54px;top:19px;">(b) Identity of issue, borrower, lessor or </div><div id="a2020" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:132px;top:33px;">similar party </div><div id="a2023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:316px;top:0px;">(c) Description of investment, including </div><div id="a2024" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:314px;top:14px;">maturity date and, rate of interest (in the </div><div id="a2025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:320px;top:28px;">case of notes receivable), or par value </div><div id="a2028" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:575px;top:19px;">(d) </div><div id="a2029" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:569px;top:33px;">Cost </div><div id="a2032" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:628px;top:33px;">(e) Current value </div><div id="a2034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:9px;top:33px;">(a) </div><div id="a2042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:38px;top:51px;">Common Stock </div><div id="a2052" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:73px;">*</div><div id="a2055" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:70px;-sec-ix-hidden:ID_157;">First BanCorp.</div><div id="a2058" style="position:absolute;font-family:'Arial';font-size:12px;left:325px;top:73px;-sec-ix-hidden:ID_241;">Common Stock</div><div id="a2060" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:73px;">281,138</div><div id="a2062" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:73px;">shares </div><div id="a2065_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:73px;-sec-ix-hidden:ID_220;">**</div><div id="a2065_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:73px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2068" style="position:absolute;font-family:'Arial';font-size:12px;left:610px;top:73px;">$ </div><div id="a2070" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:73px;">5,827,990</div><div id="a2074" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:90px;">Total<div style="display:inline-block;width:5px;white-space:pre"> </div>Common Stock </div><div id="a2083" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:93px;">5,827,990</div><div id="a2087" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:38px;top:110px;">Mutual Funds and Money Market Funds </div><div id="a2099" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:129px;-sec-ix-hidden:ID_158;">Cohen &amp; Steers Realty Shares Fund Class L</div><div id="a2102" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:132px;-sec-ix-hidden:ID_159;">Mutual Fund</div><div id="a2104" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:132px;">26,619</div><div id="a2106" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:132px;">shares </div><div id="a2109" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:132px;-sec-ix-hidden:ID_221;">**</div><div id="a2112" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:132px;">1,748,047</div><div id="a2116" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:149px;-sec-ix-hidden:ID_160;">Dodge &amp; Cox Global Bond Fund X</div><div id="a2119" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:151px;-sec-ix-hidden:ID_161;">Mutual Fund</div><div id="a2121" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:151px;">165,989</div><div id="a2123" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:151px;">shares </div><div id="a2126_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:151px;-sec-ix-hidden:ID_222;">**</div><div id="a2126_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:151px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2130" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:151px;">1,867,379</div><div id="a2134" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:168px;-sec-ix-hidden:ID_162;">Fidelity Extended Market Index Fund</div><div id="a2137" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:171px;-sec-ix-hidden:ID_163;">Mutual Fund</div><div id="a2139" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:171px;">136,835</div><div id="a2141" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:171px;">shares </div><div id="a2144" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:171px;-sec-ix-hidden:ID_223;">**</div><div id="a2147" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:171px;">13,775,148</div><div id="a2151" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:187px;-sec-ix-hidden:ID_164;">Fidelity International Index Fund</div><div id="a2154" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:190px;-sec-ix-hidden:ID_165;">Mutual Fund</div><div id="a2156" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:190px;">232,022</div><div id="a2158" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:190px;">shares </div><div id="a2161_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:190px;-sec-ix-hidden:ID_224;">**</div><div id="a2161_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:190px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2165" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:190px;">14,106,961</div><div id="a2167" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:209px;">*</div><div id="a2170" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:206px;-sec-ix-hidden:ID_166;">Schwab S&amp;P 500 Index Fund- Select S</div><div id="a2176" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:209px;-sec-ix-hidden:ID_167;">Mutual Fund</div><div id="a2178" style="position:absolute;font-family:'Arial';font-size:12px;left:443px;top:209px;">3,057,186</div><div id="a2180" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:209px;">shares </div><div id="a2183" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:209px;-sec-ix-hidden:ID_225;">**</div><div id="a2186" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:209px;">53,623,041</div><div id="a2190" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:226px;-sec-ix-hidden:ID_168;">Vanguard Inflation-Protected Securities Fund</div><div id="a2195" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:228px;-sec-ix-hidden:ID_169;">Mutual Fund</div><div id="a2197" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:228px;">89,778</div><div id="a2199" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:228px;">shares </div><div id="a2202_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:228px;-sec-ix-hidden:ID_226;">**</div><div id="a2202_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:228px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2206" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:228px;">2,062,195</div><div id="a2210" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:245px;-sec-ix-hidden:ID_170;">Vanguard Target Retirement Income Fund</div><div id="a2213" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:248px;-sec-ix-hidden:ID_171;">Mutual Fund</div><div id="a2215" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:248px;">49,703</div><div id="a2217" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:248px;">shares </div><div id="a2220" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:248px;-sec-ix-hidden:ID_227;">**</div><div id="a2223" style="position:absolute;font-family:'Arial';font-size:12px;left:679px;top:248px;">689,378</div><div id="a2227" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:264px;-sec-ix-hidden:ID_172;">Vanguard Target Retirement 2020 Fund</div><div id="a2230" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:267px;-sec-ix-hidden:ID_173;">Mutual Fund</div><div id="a2232" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:267px;">86,409</div><div id="a2234" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:267px;">shares </div><div id="a2237_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:267px;-sec-ix-hidden:ID_228;">**</div><div id="a2237_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:267px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2241" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:267px;">2,371,913</div><div id="a2245" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:283px;-sec-ix-hidden:ID_174;">Vanguard Target Retirement 2025 Fund</div><div id="a2248" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:286px;-sec-ix-hidden:ID_175;">Mutual Fund</div><div id="a2250" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:286px;">238,810</div><div id="a2252" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:286px;">shares </div><div id="a2255" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:286px;-sec-ix-hidden:ID_229;">**</div><div id="a2258" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:286px;">4,764,265</div><div id="a2262" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:303px;-sec-ix-hidden:ID_176;">Vanguard Target Retirement 2030 Fund</div><div id="a2265" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:305px;-sec-ix-hidden:ID_177;">Mutual Fund</div><div id="a2267" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:305px;">144,466</div><div id="a2269" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:305px;">shares </div><div id="a2272_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:305px;-sec-ix-hidden:ID_230;">**</div><div id="a2272_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:305px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2276" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:305px;">6,115,234</div><div id="a2280" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:322px;-sec-ix-hidden:ID_178;">Vanguard Target Retirement 2035 Fund</div><div id="a2283" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:325px;-sec-ix-hidden:ID_179;">Mutual Fund</div><div id="a2285" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:325px;">375,481</div><div id="a2287" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:325px;">shares </div><div id="a2290" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:325px;-sec-ix-hidden:ID_231;">**</div><div id="a2293" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:325px;">10,280,672</div><div id="a2297" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:341px;-sec-ix-hidden:ID_180;">Vanguard Target Retirement 2040 Fund</div><div id="a2300" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:344px;-sec-ix-hidden:ID_181;">Mutual Fund</div><div id="a2302" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:344px;">240,731</div><div id="a2304" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:344px;">shares </div><div id="a2307_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:344px;-sec-ix-hidden:ID_232;">**</div><div id="a2307_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:344px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2311" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:344px;">12,024,526</div><div id="a2315" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:361px;-sec-ix-hidden:ID_182;">Vanguard Target Retirement 2045 Fund</div><div id="a2318" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:363px;-sec-ix-hidden:ID_183;">Mutual Fund</div><div id="a2320" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:363px;">329,101</div><div id="a2322" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:363px;">shares </div><div id="a2325" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:363px;-sec-ix-hidden:ID_233;">**</div><div id="a2328" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:363px;">11,432,959</div><div id="a2332" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:380px;-sec-ix-hidden:ID_184;">Vanguard Target Retirement 2050 Fund</div><div id="a2335" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:383px;-sec-ix-hidden:ID_185;">Mutual Fund</div><div id="a2337" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:383px;">127,745</div><div id="a2339" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:383px;">shares </div><div id="a2342_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:383px;-sec-ix-hidden:ID_234;">**</div><div id="a2342_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:383px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2346" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:383px;">7,572,725</div><div id="a2350" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:399px;-sec-ix-hidden:ID_186;">Vanguard Target Retirement 2055 Fund</div><div id="a2353" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:402px;-sec-ix-hidden:ID_187;">Mutual Fund</div><div id="a2355" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:402px;">61,850</div><div id="a2357" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:402px;">shares </div><div id="a2360" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:402px;-sec-ix-hidden:ID_235;">**</div><div id="a2363" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:402px;">4,092,026</div><div id="a2367" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:418px;-sec-ix-hidden:ID_188;">Vanguard Target Retirement 2060 Fund</div><div id="a2370" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:421px;-sec-ix-hidden:ID_189;">Mutual Fund</div><div id="a2372" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:421px;">36,500</div><div id="a2374" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:421px;">shares </div><div id="a2377_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:421px;-sec-ix-hidden:ID_236;">**</div><div id="a2377_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:421px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2381" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:421px;">2,225,768</div><div id="a2385" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:438px;-sec-ix-hidden:ID_190;">Vanguard Target Retirement 2065 Fund</div><div id="a2388" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:440px;-sec-ix-hidden:ID_191;">Mutual Fund</div><div id="a2390" style="position:absolute;font-family:'Arial';font-size:12px;left:460px;top:440px;">27,162</div><div id="a2392" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:440px;">shares </div><div id="a2395" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:440px;-sec-ix-hidden:ID_237;">**</div><div id="a2398" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:440px;">1,087,312</div><div id="a2402" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:457px;-sec-ix-hidden:ID_242;">Vanguard Total Bond Market Index Fund</div><div id="a2414" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:476px;">Institutional Shares </div><div id="a2417" style="position:absolute;font-family:'Arial';font-size:12px;left:333px;top:479px;-sec-ix-hidden:ID_192;">Mutual Fund</div><div id="a2419" style="position:absolute;font-family:'Arial';font-size:12px;left:443px;top:479px;">1,087,145</div><div id="a2421" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:479px;">shares </div><div id="a2424_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:479px;-sec-ix-hidden:ID_238;">**</div><div id="a2424_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:479px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2428" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:479px;">10,621,409</div><div id="a2430" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:498px;">*</div><div id="a2433" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:495px;-sec-ix-hidden:ID_193;">State Street Institutional U.S. Government</div><div id="a2446" style="position:absolute;font-family:'Arial';font-size:12px;left:59px;top:515px;">Money Market Fund </div><div id="a2449" style="position:absolute;font-family:'Arial';font-size:12px;left:313px;top:517px;-sec-ix-hidden:ID_194;">Money Market Fund</div><div id="a2451" style="position:absolute;font-family:'Arial';font-size:12px;left:453px;top:517px;">294,291</div><div id="a2453" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:517px;">shares </div><div id="a2456_1_2" style="position:absolute;font-family:'Arial';font-size:12px;left:580px;top:517px;-sec-ix-hidden:ID_239;">**</div><div id="a2456_3_2" style="position:absolute;font-family:'Arial';font-size:12px;left:589px;top:517px;"><div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2460" style="position:absolute;font-family:'Arial';font-size:12px;left:679px;top:517px;">294,291</div><div id="a2462" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:537px;">*</div><div id="a2465" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:534px;-sec-ix-hidden:ID_195;">Schwab Treasury Obligations Money Fund</div><div id="a2468" style="position:absolute;font-family:'Arial';font-size:12px;left:313px;top:537px;-sec-ix-hidden:ID_196;">Money Market Fund</div><div id="a2470" style="position:absolute;font-family:'Arial';font-size:12px;left:437px;top:537px;">18,578,457</div><div id="a2472" style="position:absolute;font-family:'Arial';font-size:12px;left:506px;top:537px;">shares </div><div id="a2475" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:537px;-sec-ix-hidden:ID_240;">**</div><div id="a2478" style="position:absolute;font-family:'Arial';font-size:12px;left:662px;top:537px;">18,578,457</div><div id="a2482" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:554px;">Total<div style="display:inline-block;width:5px;white-space:pre"> </div>Mutual Funds and Money Market Funds </div><div id="a2491" style="position:absolute;font-family:'Arial';font-size:12px;left:655px;top:556px;">179,333,706</div><div id="a2495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;left:38px;top:576px;">Other<div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2505" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:596px;">* </div><div id="a2508" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:596px;"><div style="display:inline-block;width:27px;white-space:pre"> </div>Notes receivable from participants </div><div id="a2511" style="position:absolute;font-family:'Arial';font-size:12px;left:310px;top:596px;">Interest rates ranging from </div><div id="a2511_28_4" style="position:absolute;font-family:'Arial';font-size:12px;left:454px;top:596px;">5.25</div><div id="a2511_32_2" style="position:absolute;font-family:'Arial';font-size:12px;left:478px;top:596px;">% </div><div id="a2523" style="position:absolute;font-family:'Arial';font-size:12px;left:310px;top:612px;">to </div><div id="a2523_3_5" style="position:absolute;font-family:'Arial';font-size:12px;left:324px;top:612px;">10.50</div><div id="a2523_8_22" style="position:absolute;font-family:'Arial';font-size:12px;left:354px;top:612px;">%; Maturities through </div><div id="a2523_30_12" style="position:absolute;font-family:'Arial';font-size:12px;left:470px;top:612px;-sec-ix-hidden:ID_212;">October 2035</div><div id="a2526" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:612px;">** </div><div id="a2529" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:612px;">5,267,672</div><div id="a2531" style="position:absolute;font-family:'Arial';font-size:12px;left:14px;top:632px;">* </div><div id="a2534" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:632px;">Schwab Personal Choice Retirement Account - Self-directed </div><div id="a2550" style="position:absolute;font-family:'Arial';font-size:12px;left:59px;top:647px;">Brokerage Account </div><div id="a2557" style="position:absolute;font-family:'Arial';font-size:12px;left:578px;top:647px;">** </div><div id="a2560" style="position:absolute;font-family:'Arial';font-size:12px;left:685px;top:647px;">42,878</div><div id="a2564" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:667px;">Total<div style="display:inline-block;width:5px;white-space:pre"> </div>Other<div style="display:inline-block;width:3px;white-space:pre"> </div></div><div id="a2573" style="position:absolute;font-family:'Arial';font-size:12px;left:668px;top:667px;">5,310,550</div><div id="a2577" style="position:absolute;font-family:'Arial';font-size:12px;left:38px;top:688px;"><div style="display:inline-block;width:17px;white-space:pre"> </div>Total </div><div id="a2586" style="position:absolute;font-family:'Arial';left:610px;top:687px;">$ </div><div id="a2588" style="position:absolute;font-family:'Arial';left:648px;top:687px;">190,472,246</div><div id="a2602" style="position:absolute;font-family:'Arial';font-size:12px;left:7px;top:714px;">*<div style="display:inline-block;width:10px;white-space:pre"> </div>Party in-interest </div><div id="a2614" style="position:absolute;font-family:'Arial';font-size:12px;left:7px;top:734px;">** Historical cost is not required for participant directed investments. </div><div id="a2622" style="position:absolute;font-family:'Arial';font-size:12px;left:161px;top:754px;">See accompanying report of Independent Registered Public Accounting Firm.</div></div></div> 66-0183103 002 true 281138 5827990 5827990 26619 1748047 165989 1867379 136835 13775148 232022 14106961 true 3057186 53623041 89778 2062195 49703 689378 86409 2371913 238810 4764265 144466 6115234 375481 10280672 240731 12024526 329101 11432959 127745 7572725 61850 4092026 36500 2225768 27162 1087312 1087145 10621409 true 294291 294291 true 18578457 18578457 179333706 0.0525 0.1050 5267672 42878 5310550 190472246