Operator

Hello, and welcome to the Annual Meeting of Shareholders of Juniata Valley Financial Corp. Please note that today's meeting is being recorded. [Operator Instructions] It is now my pleasure to turn today's meeting over to Martin Dreibelbis, Chairman of the Board. Mr. Dreibelbis, the floor is yours.

Martin Dreibelbis

Good morning, ladies and gentlemen. My name is Martin Dreibelbis. And as Chairman, it's my privilege to call to order the 2026 Annual Shareholders Meeting of the Juniata Valley Financial Corp. Thank you for participating in today's meeting.

I call your attention to the rules of conduct set forth for this meeting. They were made available to shareholders in the proxy statement and are in the documents folder in the upper right corner of your screen. Comments or questions will be received only from shareholders who have signed in with a control number. Please keep your questions and comments brief and limit them to one per shareholder. All appropriate questions and comments will be addressed at the end of the presentation. For your convenience, links to the annual report and proxy statement are also provided in the documents folder.

At this time, I'd like to welcome and introduce other members of the Board of Directors: Vice Chairman, Gary Kelsey; Marcie Barber, Mike Buffington, Christina Calkins-Mazur, John Henry, Joe Scarnati, Steve Sliver. In addition to the Board members and management personnel, representatives from Crowe, our independent public accounting firm; from Barley Snyder, our legal advisers; and from Cherry Bekaert, our internal audit firm, are in attendance at this meeting.