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Operator: Hello, everyone, and welcome to the Financial Institutions, Inc. First Quarter 2024 Earnings Call. My name is Harry, and I ll be your operator.

New yorkUnited statesBader hijlehMartin birminghamDamon delmonteKate croftPiper sandlerMarty birminghamStar bankProperty casualty servicesFinancial institutions incInsurance agencyFinancial institutionsCall transcript aprilFirst quarterInvestor relations