Financial Institutions, Inc.

Good morning. Welcome to today's Financial Institutions Inc. Fourth Quarter Earnings Call. My name is Candice and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call, with an opportunity for question and answer at the end. If you would like to ask a question, please press start followed by one on your telephone keypad. I would now like to pass the conference call over to our host, Shelley Dodoran. Director of Investment Relations.

Thank you for joining us for today's call.

Providing prepared comments will be President and CEO Marty Birmingham and CFO Jack Plant. Chief Community Banking Officer Justin Bigum and Director of Financial Planning and Analysis Mike Grover will join us for Q&A. Today's prepared comments and Q&A will include forward-looking statements. Extra results may differ materially from forward-looking statements due to a variety of risks, uncertainties, and other factors. We refer you to yesterday's earnings release and historical SEC filings available on our Investor Relations website for a safe harbor description and a detailed discussion of the risk factors relating to forward-looking statements. We'll also discuss certain non-GAAP financial measures intended as supplements and not substitute for comparable GAAP measures. Reconciliation for these measures to get financial measures were provided in the earnings release filed as an exhibit to a form 8K. Please note that this call includes information that may only be accurate as of today's date, February 1st, 2022. I'll now turn the call over to President and CEO Marty Birmingham.