TrustCo Bank Corp NY

Good day and welcome to the TrustCo Bank Hub earnings call and webcast. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero on your keypad. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star and then one. To withdraw your question, you may press star and two. Before proceeding, we would like to mention that this presentation may contain forward-looking information about Roscoe Bancorp New York that is intended to be covered by the Safe Harbor and forward-looking statements provided by the Private Securities Litigation Reform Act of 1995.

Actual results and trends differ materially from those set forth in such statements due to various risks, uncertainties, and other factors.

More detailed information about these and other risk factors can be found in our press release that preceded this call and in the risk factors and forward-looking statements section of our annual report on Form 10-K and as updated by our quarterly reports on Form 10-Q. The statements are valid only as of the date hereof and the company disclaim any obligation to update this information except as may be required by applicable law. Today's presentation contains non-GAAP financial measures The reconciliations of such measures to the most comparable gap figures are included in our earnings press release, which is available under the investor relations tab of our website at truscobank.com. Please also note today's event is being recorded. At this time, I would like to turn the conference call over to Mr. Robert J. McCormick, Chairman, President, CEO. Please go ahead.