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Operator Good day, everyone. Welcome to the NBT Bancorp First Quarter 2021 Financial Results Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SEC s Regulation FD. Corresponding presentation slides can be found on the company s website at nbtbancorp.com. Before the call begins, NBT s management would like to remind listeners that, as noted on Slide 2, today s presentation may contain forward-looking statements as defined by the Securities and Exchange Commission. Actual results may differ from those projected. In addition, certain non-GAAP measures will be discussed. Reconciliations for these numbers are contained within the appendix of today s presentation. [Operator Instructions]

United statesNew hampshireJohnv moranAlex twerdahl piper sandlerAnnette burnsPiper sandlerErik zwickJohn moranJohnh wattErik zwick boenning scattergoodJohnh watt jrMatthew breeseAlex twerdahlExchange commissionMatthew breese stephens incNbt bancorp