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Operator: Hello! And welcome to the Alerus Financial Corporation Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions].

United statesEric spectorKaren bohnRaymond jamesAlan villalonKatie lorensonJim collinsBen gerlingerDamon delmonteDavid feasterPiper sandlerKarin taylorCommunity bankAlerus financial corpAlerus financial corporation earnings conference callAlerus financial corporation