Operator

Good morning, and welcome to the Financial Institutions, Inc. 2026 Annual Meeting of Shareholders. Please note, this meeting is being recorded.

At this time, I would like to introduce Susan Holliday, Chair of Board of Director of Financial Institutions and Five Star Bank. Chair Holliday, you may begin.

Susan Holliday

Thank you. Good morning, everyone. On behalf of the company's Board, management and associates, I welcome you to today's Shareholder Meeting. We've again elected to hold this meeting virtually to allow us to be more inclusive and to reach a greater number of shareholders without impacting their ability to participate in the meeting. As Board Chair, I will lead the business portion of today's meeting.

After voting results are reported and the business portion of the meeting has ended your Director and President and CEO, Marty Birmingham, will provide a company update. Validated shareholders may ask up to 3 questions by typing them in the question box to the right of your screen and then clicking the Submit button. Please submit your questions now to ensure that we have adequate time to receive them and respond. We will address questions regarding the meeting proposals prior to the close of voting and other recognized questions following the company update.

Shareholders may also comment on any of the meeting proposals through the meeting web portal after they are presented. We will read applicable comments prior to the close of voting. We will do our best to provide a response to as many relevant questions as possible and address any unanswered questions shortly after the meeting. Please provide contact information