Operator

Hello, and welcome to the Annual Meeting of Shareholders of Franklin Financial Services Corporation. Please note that today's meeting is being recorded. [Operator Instructions] It is now my pleasure to turn today's meeting over to Chairman of the Board, Warren Elliott. Mr. Chairman, the floor is yours.

G. Elliott

Thank you, Ruby. Good morning, and thank you for joining us today. As Chairman of the Board of Franklin Financial Services Corporation, I hereby call this Annual Meeting of Shareholders to order and appoint Amanda M. Ducey, Secretary of the company, as Secretary of the meeting. The Secretary of the company has filed proof that proper notice of the meeting has been given and that a legal quorum is present in person or by proxy.

The meeting is now, therefore, lawfully convened and ready to transact business. It's my pleasure to introduce our Loan Servicing Manager and Vice President, Pam Johns for the [ invitation. ] Pam?

Pamela Johns

Thank you, Warren. Please join me in a moment of prayer. Father, we thank you for this day and the opportunity to live in your word and to share the good news of your risen son, Jesus Christ. Please be with us during the time of business and may your hand of blessing and grace be on the decisions made today and as we move forward this week, this month and this year. We ask that you continue to lead, guide and direct the leaders of this organization, so we can all be a positive influence in the communities and the people we serve.

We ask for