Operator

Hello, and welcome to the Annual Meeting of Shareholders of Norwood 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 Andy Forte. The floor is yours.

Andrew Forte

Thank you. The 2026 Annual Meeting of Shareholders will please come to order. Welcome to the Annual Meeting of Shareholders of Norwood Financial Corp. I am Andy Forte, Chairman of the Board of Directors, and I will act as Chairman of the meeting. Mackenzie Jackson will act as Secretary of the meeting. I would also like to introduce to you other members of your Board of Directors present today who are also participating in the meeting by remote communications; James O. Donnelly, our President and CEO; Attorney Ralph A. Matergia, Kevin Lamont, Meg Hungerford, Alexandra Nolan, Jeffrey Gifford, Dr. Kenneth Phillips, Ronald Schmalzle, Marissa Nacinovich, Jim Shook, Spencer Andress, and Joseph Carroll. We posted the meeting procedures and rules for conduct of the annual meeting on the meeting web page for your review.

In order to conduct an orderly meeting, I ask that everyone please follow these rules. At this time, I would like to turn over the meeting to Mr. James Donnelly, the corporation's President and Chief Executive Officer who will conduct the formal business of the annual meeting.

James Donnelly
President, CEO & Director

Thank you, Andy. Good morning, everyone. I would like to thank you for participating in our 155th Annual Meeting. We feel we have an informative program to present to you this morning. John McCaffery, our Chief Financial Officer, will review last year's