CapStar Financial Holdings, Inc.

Good morning, ladies and gentlemen, and welcome to Capstar Financial Holdings' first quarter 2021 earnings conference call. Hosting the call today from Capstar are Tim Schools, President and Chief Executive Officer, Dennis Duncan, Chief Financial Officer, and Chris Teets, Chief Credit Officer. Please note that today's call is being recorded and will be made available for replay on Capstar's website. Please note that Capstar's earnings release, the presentation material that will be referred to in this call, and from Form 8K that Capstar filed with the SEC are available on SEC's website at www.sec.gov and the investor relation page at Capstar's website at www.ir.capstarbank.com. Also during this presentation, CAPSTAR may make certain comments that constitute forward-leaking statements within the meaning of the Federal Security Law. Forward-leaking statements reflect CAPSTAR's current views with respect to, among other things, the future events and its financial performance. Forward-leaking statements are not historical facts and are based on CAPSTAR's expectations,

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Accordingly, forward-looking statements are not guaranteed of future performance and are subject to risks, assumptions, and uncertainties... Where's our IT guy? ...of which may be difficult to predict and be uncaptured control. Actual votes may provide... ...to be materially different from the results... or implied by forward-licking statements. You are cautioned not to place undue reliance on forward-licking statements, which speaks only as of today. Except as otherwise required by law, Capstar disclaims any obligation to update or revise any forward-looking statements contained in this presentation, whether as a result of new information, future events, or otherwise. In addition, this presentation may include certain non-GAAP financial measures, the risks, assumptions, and uncertainties impacting forward-looking statements, and the presentation of non-GAAP financial measures, and the reconciliation of non-GAAP measures to the most directly comparable GAAP measures are included in the earnings release and the presentation material referred to in this call. Finally, Capstar is not responsible for and does not edit nor guarantee the accuracy of any earnings teleconference transcript provided by third parties. The only authorized live and archived webcasts and transcripts are located on Capstar's webcast. With that, I would now like to turn the conference over to Tim Scholes, CapSTAR's President and Chief Executive Officer.