Scott Heffner
Senior VP & Director of Marketing

Good afternoon, and welcome to the Chemung Financial Corporation Annual Meeting of Shareholders. Please note that this meeting is being recorded. Questions may be submitted via the questions box to the right of your screen by typing your question into the text box and then clicking the submit button. Please also note that in the interest of all shareholders, we will only address those questions that are pertinent to the business of this meeting. If there are questions outside of the context of this meeting, please provide your e-mail address, and we will do our best to respond to your question within 24 hours.

If you are attending today's meeting and wish to view the uploaded annual meeting documents, please click on the Documents tab at the top right of your screen and then click on the document name you wish to view. I will now turn the meeting over to our Chairman, David J. Dalrymple.

David Dalrymple

Thank you, Scott. Once again, we welcome you to the Annual Stockholders Meeting of Chemung Canal Trust Company and Chemung Financial Corporation, now in our 193rd year of doing business. I'm Dave Dalrymple, Chairman of the Board of Directors, and I really wish to thank you very much for joining us today. I now turn the meeting over to Anders Tomson, President and CEO of the bank and Corporation.

Anders Tomson
President, CEO & Director

Thank you, Dave. I would like to welcome everyone in attendance today to the virtual Annual Meeting of Shareholders of