Hello, welcome to the 2021 annual meeting of stockholders of Enterprise Bancorp, Inc. My name is Michelle, and I am the operator for today's meeting. Please note that today's meeting is being recorded. Before we begin, I would like to mention that the financial and business discussion after today's annual meeting of stockholders may contain forward-looking statements. Actual results may be different, you are cautioned against overly relying upon any forward-looking statement that may be made. Please also note that certain non-GAAP financial data may be discussed in an effort to better explain the financial results and position of the Enterprise Bancorp, Inc., any such non-GAAP financial data should be read and considered together with GAAP results. Please refer to investor relations section of our website for our GAAP financial results. It is now my pleasure to turn today's meeting over to Jack Clancy, Chief Executive Officer of Enterprise Bancorp, Inc. and Enterprise Bank. Thank you, Michelle. Good morning, everyone. I am Jack Clancy, the Chief Executive Officer of Enterprise Bancorp, Inc. and Enterprise Bank, and on behalf of Mr. George Duncan, our founder and Executive Chair, Mr. Richard Main, our President, and our entire Board of Directors, it is my honor to welcome our stockholders and invited guests to the 33rd Annual Stockholders Meeting of Enterprise Bancorp, Inc. First, and most important, I sincerely hope that you and your families are safe and healthy. What we have been through the last 14 months has certainly reinforced to all of us that this is what matters the most. Our agenda today has two parts. First, we will have our formal Annual Stockholders Meeting, where we will conduct the business and take the votes required of this meeting. After we adjourn the annual meeting, we will move to a financial and business discussion, after which I will answer up to a total of five questions. In order to ensure an orderly progression of our meeting today, I would ask that you please adhere to the rules of conduct which are available in the meeting center. For those of you who have joined by phone in listen-only mode, I want to point out that there will be slides that will accompany the financial and business discussion that I expect we will get to in about 10 minutes. If you would like to view the slides during the presentation, which I would highly recommend, you can do so by using the meeting link found on your proxy card. For your convenience, the meeting link has also been added this morning to the homepage of our website, www.enterprisebanking.com. You can view the slides at the link provided on the website by simply logging in as a guest. Your Board of Directors has designated Jim Conway, the Vice Chair of the Board and the Lead Director, to report on the voting results that have been tabulated by Computershare, our inspector of elections and transfer agent. You will hear from Mr. Conway throughout our formal annual meeting. With these instructions provided, the 33rd annual meeting of the stockholders of Enterprise Bancorp, Inc. is hereby called to order. Our board of directors has set March 1st, 2021, as the record date for voting at this annual meeting. The proxy statement for this annual meeting was filed with the Securities and Exchange Commission on April 1st, 2021. On or about April 1st, 2021, our company caused to be mailed to each stockholder a notice of this meeting, along with the proxy statement and a proxy card. I would like to begin by recognizing each of our directors. The members of our board are Ken Ansin, Gino Baroni, John Clementi, Jim Conway, Dr. Carole Cowan, Normand Deschene, our Executive Chairman, George Duncan, John [Grady], Mary Jane King, John Koutsos, Joseph Lerner, Shelagh Mahoney, our President, Richard Main, Dr. Jacqueline Moloney, Luis Pedroso, Michael [Gallagher], Carol Reid, Nickolas Stavropoulos, Anita Worden, and myself, Jack Clancy. I want to sincerely thank our directors for their dedicated leadership, engagement, oversight, wisdom, and for setting such an inspiring level of accountability and excellence for all Enterprise bankers to follow. All of this means everything to me, and it gives me such great comfort to look at all of these faces of wisdom at once. As my Enterprise teammates know, our directors truly set the culture and the tone that has inspired our long-term progress and success. I also want to recognize several special advisors to our board. They are Michael Gallagher and Andrea Batchelder of Gallagher & Cavanaugh LLP, our general counsel, Ray Anstiss, financial advisor to the board, Beth Whitaker of Hunton Andrews Kurth LLP, our SEC and regulatory legal counsel, Ryan Hurley of RSM US LLP, your company's independent registered public accounting firm, and Douglas Ives of Computershare, your company's transfer agent and inspector of elections. I would like to thank each of these individuals for their contributions to Enterprise Bank. If you logged in with your control number today, you can submit a question in writing during the annual meeting by clicking on the Messages icon in the meeting center. At this time, I would like to ask that stockholders who are present by means of remote communication and who have not delivered a proxy and who would like to vote, that you do so by voting electronically now. If you logged in with your control number today, you can vote by clicking on the "i" icon to return to the meeting center to cast your vote. I do want to emphasize that if you have already voted by proxy and you do not wish to change your vote, then there is no need to vote again now. At this time, I would like to ask Mr. Conway, who is standing next to me, to report on whether a quorum is present. Thank you, Jack. I have been advised by Computershare, our transfer agent and inspector of elections, that there are present, whether by means of remote communication or by proxy at this meeting, the holders of at least 9,680,000 shares, or 81% of the total number of outstanding shares of the company, entitled to vote at this meeting. As such, I can confirm that a quorum is present at this meeting for all purposes in accordance with the company's second amended and restated bylaws. Thank you so much, Jim. Because proper notice has been given and a quorum is present, this meeting has been properly convened. We have five proposals on the agenda today. Information concerning these five proposals was contained in our proxy statement that was furnished to each stockholder in connection with this meeting. The first proposal is to elect six individuals to the company's board of directors, each for a three-year term. The board of directors has nominated for election the following six persons, each of whom is a current director of our company: Gino Baroni, John P. Clancy Jr., James F. Conway III, John P. [Grady] Jr., Mary Jane King, and Shelagh E. Mahoney. No other nominations of candidates for election to the board of directors have been submitted in accordance with the procedures required under our bylaws. The second proposal today is to approve an amendment to our 2016 Stock Incentive Plan to increase the number of shares of our common stock available for awards made thereunder. The third proposal is to conduct a non-binding advisory vote to approve the compensation of our named executive officers. This is also called the Say on Pay proposal. The fourth proposal is to conduct a non-binding advisory vote on the frequency of future Say on Pay proposals. The fifth proposal is to ratify our audit committee's appointment of RSM US LLP as our independent registered public accounting firm for the fiscal year ending December 31, 2021. At this time, I now declare that the polls are closed, and I would like to ask Mr. Conway to report on the first vote. Thank you, Jack. I have been advised by Computershare that a preliminary tabulation has been completed. I can report at this time that of the 8,528,000 shares voted at this meeting, not less than 7,795,000, or approximately 91%, have voted in favor of the total slate of directors. Thank you, Jim. Based on this result, I am honored to declare that Gino Baroni, John Clancy Jr., James Conway III, John [Grady] Jr., Mary Jane King, and Shelagh E. Mahoney have each received at least a majority of the votes cast at this meeting and have been elected to serve as directors for a three-year term. Jim, could you now please report on the second vote? I have also been advised by Computershare that a preliminary tabulation has been completed, and I can report at this time that of the 8,528,000 shares voted at this meeting, not less than 8,034,000, or approximately 94%, have been voted in favor of the amendment to the company's 2016 Stock Incentive Plan to increase the number of shares of our common stock available for awards made thereunder. Thank you again, James F. Conway III. Based on this result, I declare that the amendment to the 2016 Stock Incentive Plan has been approved. James F. Conway III, could you now please report on the third vote? Once again, Computershare has advised me that a preliminary tabulation has been completed, and I can report at this time that of the 8,528,000 shares voted at this meeting, not less than 7,957,000, or approximately 93%, have been voted in favor of the compensation paid to the company's named executive officers. Thank you again, Jim. Based on this result, I declare that the Say on Pay proposal has been approved by a majority of the votes cast at this meeting. Jim, could you now please report on the fourth vote? Once again, Computershare has advised me that a preliminary tabulation has been completed, and I can report that of the 8,528,000 shares voted at this meeting, not less than 7,465,000, or approximately 87%, have been voted in favor of conducting the Say on Pay proposal every year. Thank you, Jim. Based on this result, I declare that our stockholders have voted in favor of conducting the Say on Pay proposal every year. Jim, could you now please report on the fifth and final vote? Yes, Jack, I will. Okay. I have been advised by Computershare that again, the preliminary tabulation has been completed, and I can report at this time that of the 9,680,000 shares voted at this meeting, not less than 9,577,000, or approximately 98%, have been voted to ratify the audit committee's appointment of RSM US LLP as the company's independent registered public accounting firm for the fiscal year ending December 31, 2021. Thank you, Jim. Based on this result, I declare that the audit committee's appointment of RSM US LLP as the company's independent registered public accounting firm for the fiscal year ending December 31st, 2021, has been ratified by at least a majority of the votes cast at this meeting. No other business has been presented in accordance with the procedures required under our bylaws for consideration at this meeting. The formal part of this meeting is now declared adjourned. We will now transition to a financial and business discussion, and it has been quite a 14 months, as you all know, and I will give as thorough a discussion and summary as I can within about a 30-minute timeframe. In particular, the last 14 months, which have been times of extremely transformative technological, economic, and societal change. Through these times, the strong financial results that our Enterprise has posted, the value-driven company that we have stayed true to, and the meaningful impact that our Enterprise has had on our Enterprise team members, our customers, our communities, and our stockholders has been significant and substantial. The collective entirety of our achievements and the impact is what satisfies me the most. All of this is what George Duncan envisioned 33 years ago, which has been accomplished because of the collective efforts of the superlative Enterprise team. Because of all of this, I am very, very honored and humbled to represent George Duncan, Richard Main, and the entire Enterprise team this morning. After discussing some of our mindset and way of thinking, including some overriding operating philosophies and areas of focus, I will move into a review of some financial information. I will discuss several topics that are important to the bank and then some long-term financial results. First, I want to share my thoughts on the last 14 months. I don't know how better to express it than to say that it has been a very hard 14 months. Some of the other words that I might use to describe the last 14 months include challenging, uncertain, unprecedented, extraordinary, and transformative. It has been a 14-month stretch that has certainly tested most companies and many of us personally, like maybe never before. When we met virtually a year ago, I stated that times like this are when you find out a lot about organizations, teams, and individuals. I can tell you that the Enterprise Bankers, as a team and as individuals, stepped up and worked together remarkably well with fortitude, commitment, and what has inspired me the most, such a deep sense of purpose. It was this sense of purpose that drove and inspired our branch teams to superbly adapt in how they served our customers. It is what drove our mortgage team to process record levels of mortgage loans, and it is what drove so many Enterprise team members to burn the midnight oil to deliver business and job-saving PPP funds to our customers. I could share hundreds of more stories like this. It is so impressive how we have continually pivoted and how we have served our customers and communities through challenging times, and I cannot thank and applaud our team enough. If you have attended any of our annual meetings in the past, you have heard me discuss what is shown here. I believe that much of what is listed here will come out in our discussion today. I would also connect everything that is listed here by saying that we have always believed that the partnership and the interdependency between our team members, customers, communities, and stockholders is the driving force behind our growth in the building of stockholder value. Never was this more evident than over the past year. Much of the operations of any company comes down to what I would label as blocking and tackling, which is essentially the thousands of things that each of us do every day. To focus ourselves and to prioritize things, we formulate every year five to six areas of key focus/key initiatives. Throughout our 33-year history, the first two bullet points listed here have always automatically been put on our list of key strategic initiatives. Regarding the last bullet point, for a bank our size, we have advanced capabilities in the four lines of business listed here, commercial lending, wealth management, cash management, and digital banking. These capabilities translate into one of our competitive advantages. This is one of our key initiatives because we are very focused on even further advancing in differentiating such services. Regarding the second, third, and fourth bullet points, in a survey of a bank CEO peer group taken 18 months ago, again 12 months ago, and again last month, these three items showed up as the top strategic priorities/concerns in each of the surveys. A year ago, loan quality was listed as a number one concern/priority, and last month, future earnings headwinds was voted number one. I suspect that this flipping of the number one and number two priority versus a year ago is due to the improved economic optimism and because banks are emerging from the pandemic in such a very strong financial condition. On this and the next slide, I listed what I feel will be some takeaways from our discussion today. I do not want to read these bullet points one by one, so I will leave this slide up for a moment. The first two bullet points are basically about our financial results and our current financial position. The third and fourth bullet points are about the strong franchise that we have built and our competitive position and differentiation in the market. I will let you quickly peruse this second slide on key takeaways. This list is much more focused on what I would categorize as the intangible, foundational, and cultural takeaways from our discussion today. Moving into some financial figures, I want to highlight that we are now managing, in a fiduciary capacity, $930 million in investment assets. Our advanced wealth management services have become a very important part of what we provide to our customers. Our wealth management group, as they have always done, did a tremendous job in 2020, including communicating actively and closely with our customers towards attaining very strong investment returns in what was a volatile year, but what also turned out to be an extremely strong equity return year. I want to mention a couple of items at this time that I will further discuss in a moment. First, our bank asset figure that is shown here of $4.26 billion is what I believe to be a bit inflated at this time. Second, we began the pandemic with a strong capital plus allowance for credit loss position that we have only prudently and proactively grown in response to the pandemic. I don't know whether I heard the word unprecedented or the term PPP more in the last 14 months. Briefly, the PPP is a Small Business Administration-sponsored loan program whereby the SBA may ultimately forgive the loan granted. Banks have essentially been the conduit for the SBA in extending PPP loans. Since the PPP program was rolled out 13 months ago, there have been several rounds of PPP loan availability. Through March 31st, we had originated more than 3,900 PPP loans for a total of just under $700 million. For me to describe our team's efforts regarding PPP lending, the two words that I would use are Herculean and purpose-driven. We were the number 1 provider of PPP loans in 17 of the 20 communities that we have branches in, and we have been a national leader when you calculate our PPP lending volume in relation to our asset size. Today, 13 months later from when the PPP program started, we are immersed in round 3 of granting PPP loans, along with being immersed in the forgiveness process for loans made in rounds 1 and 2. The whole PPP process has not been easy for any bank. In fact, it has been incredibly difficult, complicated, and challenging. Our execution and effort on the PPP program and how we served our customers and saved countless jobs and organizations has been a remarkable achievement. Shown here in the two middle columns are totals for our assets, deposits, and loans at December 31st, 2019, which was just before COVID-19, and at March 31st, 2021, 15 months later. As you can see, the 15-month change total shown in the last column are very, very large, especially for deposits and assets. Our assets and deposits are actually up more than 30% in the last 15 months. Our deposit growth has been driven by a number of factors, including, one, when a PPP loan is made, the proceeds of the loan are put into a customer's deposit account. Two, stimulus checks are being deposited by our customers. Three, because of the uncertain times that we are in, businesses, nonprofits, and individuals have all intentionally built up liquidity. Four, our advanced digital and cash management services that I'll touch on in a moment, have proved to be very advantageous for us during this pandemic. We have actually avoided highlighting growth figures in our financial reports as we feel that deposits and assets, as I previously mentioned, are temporarily inflated because of the market forces just described. Although to what extent and degree, I could not predict. I do anticipate that as businesses further use proceeds from PPP loans and as businesses and individuals get back to spending and investing, that we will likely see our deposits and assets shrink a bit. Most every bank in the country is seeing the same type of deposit and asset dynamics that we are experiencing, along with experiencing slow loan growth when you exclude PPP loans. One other note that I just want to mention quickly is that I expect that the balance of outstanding PPP loans will decline significantly as the year goes on, as customers receive forgiveness from the SBA. As I noted previously, we entered the pandemic in a very strong capital and allowance for credit loss position, which has grown significantly. The increase from 15 months ago is the figure that is circled in red. This is a very significant increase, especially when you also consider that our loan dollars outstanding, excluding the 100% SBA guaranteed PPP loans, has only increased by approximately $60 million. Our non-performing assets, which is mostly loans on a non-accrual status, has also increased as expected, and this is mostly attributable to a few customers in pandemic-stressed industries. Very, very quickly, I wanted to share the history of our earnings since inception, as my commentary to date has really focused on our balance sheet. Within our Enterprise, I often express that I feel we are in the people business first and the banking business second. In recent years, I have added a second expression, which is that we are very much a technology and digital company that is in the banking business. The importance of digitalization and of technology has been one of our key strategic initiatives for several years now, and COVID-19 and the resulting change in customer behavior and how customers want to bank with their bank has only exponentially surged forward its importance. Quickly shown here are some of our digital banking features. These tools are used by our retail, our business, and our nonprofit customers. Hopefully, you are using many of these tools yourself. Shown here are some additional leading-edge digital banking cash management services that are mostly used by businesses and nonprofit organizations. What is depicted here is where I feel we really knock it out of the ballpark versus our competition. I would like to share some information on one of these cash management tools in action, which is the remote check deposit scanner that is circled in the bottom left corner of this slide. We now have approximately 850 remote check deposit scanners deployed at our customers' places of business. The extent of our deployment of these scanners has been extraordinary compared to peer banks. Sharing some check deposit data. In 2020, approximately 3 million customer checks were deposited by customers. More than half of these, or 1.4 million checks, were deposited via what I would call a self-service or digital manner, which is by using an ATM, a mobile device, or one of these remote check deposit scanners. Of these 1.5 million self-service digitally deposited checks, 1.2 million checks, or 80% of checks deposited via digital self-service, were deposited through the remote deposit scanner that's shown in the bottom left-hand corner. This is just extraordinary deployment. Listed here are some digitalization projects that we completed in 2020 and also some digitalization projects that we are currently working on. Looking back on 2020, our team somehow found a way to both deal with the pandemic crisis while simultaneously accelerating our digitalization efforts. The sentence above in red print was also shown on the previous three slides. I did this intentionally to emphasize that banking is increasingly about what I would label as the marriage of technology and human interaction. The digital revolution, while automating and moving routine banking transactions online, such as depositing of checks, as I just covered, has also equally exponentially increased the importance of personal relationships and skilled consultative technological advice and delivery provided by skilled humans. People and culture are always our primary focus. We strive to be a top place to work by having a diverse and inclusive workplace, by fostering a respectful, caring, trusting, team-oriented environment, by developing team members, and by supporting our team members' overall well-being. We track many metrics, a few of which are shown here, to help us monitor our culture and our workplace. Our managers work very closely with their teams in so many ways, including communicating our strategy, vision, priorities, and key initiatives, soliciting and acting upon suggestions, setting career development plans, promoting internal advancements and position transfers, and modeling the behaviors that are so important to us, including caring, respect, trust, and appreciation. In summary, we mindfully and very intentionally work hard to foster in our workplace diversity, a feeling of inclusion and belonging, a spirit of team and family, and the spirit of purpose. In 2018, we created the position of diversity and inclusion and leadership program specialist with long-term team member, Sophy Theam, assuming this role. Sophy's focus has been to further enhance our progress in hiring, mentoring, advancing, and promoting Black, Indigenous, and people of color, and in developing current and future leaders. This was a very natural extension of the leadership Sophy had taken in establishing our Multicultural Alliance employee resource group, which, amongst other initiatives, has shared information with team members on ethnic heritage, all towards further enhancing our understanding and appreciation of one another. Another key program that Sophy initiated is what is called the Banking Career Exploration Program, where we partner with community organizations to educate them on banking and banking careers. This is just one example of where we are partnering with the community to attract diverse talent. Last year, pre-COVID, we established an inclusion council with the mission to further embrace and promote awareness of personal identity in our workplace and to strengthen everyone's sense of belonging within our Enterprise family. Through our employee resource groups and inclusion council, we have recently offered workshops on subjects such as disability awareness, Veterans Day, Black History Month, and Women's History Month. Sophy and our colleagues on the inclusion council have also coordinated our impactful program called the Series on Racial Equity and Inclusion. Whenever we enter a community, we believe that we have a responsibility and a duty to make a meaningful difference. Every bullet point shown in this slide is just so impressive. We have very intentionally immersed ourselves in the culture, diversity, ideals, and traditions of our communities, we do good because it is the right thing to do. Doing good also leads directly and tangibly to our Enterprise doing well. We are now coming around the corner into the homestretch, I am going to move into covering some long-term financial results. Shown here is the history of our total assets and net income since our inception. We have now recorded 126 consecutive profitable quarters, and we are still a very, very young bank. Most banks are 100 to 200 years old, yet we are now the 296th largest bank of the 5,001 FDIC-insured banks in our country. Put another way, this means that our asset size is in the 94th percentile of banks in our country. Our size is a competitive advantage, especially in this digital and technology age, and especially when you combine this with what is most important, our team members, and also when you combine this with our progressive services in being what I would like to refer to as a quintessential community bank. This shows our annualized dividend per share by year. The total dollar amount of dividends paid since our founding continues to grow and now approximates $85 million. This shows average annual growth rates over several time periods. In calculating these figures, I reduced our asset loan and deposit figures at 12/31/2020 by the balance of PPP loans at that time to consider that our assets, deposits, and loans are potentially a bit inflated at 2020. These are outstanding organic growth figures, and you can see the consistency over the years. Shown here is a map of 66 towns. Shown within this map in green shading is our branch footprint. I want to emphasize that we also have name and brand recognition in the towns outside of our branch footprint, and increasingly, we will be emphasizing our digital banking tools in further penetrating towns that we do not have a branch in. I want to share some information on market share within our branch footprint. A total of 33 banks have branches in our branch footprint. I have listed here just the banks in the top six of those 33 banks' market share position. You can see that we have been the very clear leader in gaining market share. The growth of our market share is so very impressive, and it's even more so when you consider how young our branches are and that the large national/international banks built their market share over hundreds of years and through multiple acquisitions. I would also point out that our market share is more than four times that of our closest community bank competitor. I had noted on the operating philosophy slide at the beginning of this discussion that we have a focus on building franchise value. The market share position that we have mindfully built is a great example of building franchise value. This shows return information for investors in our four stock offerings. Explaining what is shown here by looking at the 1988 column, an original investor who invested 32 and a half years ago in 1988 has seen their investment grow by 24 and a half times their original investment. I just wanted to show again the takeaways that I shared earlier. Here is what I had labeled earlier in our discussion as the financial and market position takeaways, and here is what I labeled as the intangible or cultural takeaways. In closing, I want to again express to everyone my thoughts and prayers for you and your families' good health and wellbeing. Sadly, many lives have been lost, world health is threatened, and people have faced many challenges, such as how to manage families and children's schooling. Enterprise Bank has had to instantly shift and pivot like never before. We have pivoted across our bank in so many ways, many pivots that you could only see if you are an Enterprise team member. Some of the ways we have pivoted have been very visible to you, including the funding of additional contributions to nonprofits to support COVID-19 relief efforts, adapting as to how we serviced our customers at our branches, and reassigning more than 100 Enterprise bankers to the PPP team. Life is still not quite back to normal, and the banking industry, along with most industries, will face challenges and headwinds over the next several years. I have been thinking back to what things were like a year ago when we remotely met for our annual meeting. At the time, our streets were empty, and we knew so little about the coronavirus. A year ago, COVID was really just beginning, and banks, along with most everyone else, could not forecast its effect. I feel that there is more reason for optimism today than a year ago, given the success of vaccines, the massive stimulus program, and signs of economic improvement. In summary, the Enterprise team has operated so well over the past year. We have purposely served our customers and communities in an unprecedented challenging time while operating from a long-term orientation where we are always moving our Enterprise forward and always looking to better position ourselves for our future. I have used the word purpose a lot today, but when I close my eyes and think of my fellow team members, it is this spirit and this word that always comes to me. Purpose is the primary motivation for so many Enterprise bankers. We are in the midst of a time of accelerated change in the banking industry, particularly regarding a digital evolution that is changing how customers are engaging with banks. We are taking the digital movement very seriously, and we are working vigorously to advance our digital capabilities. Our focus on people, culture, diversity, inclusion, equity, technology, and our commitment and resolve in being a responsible and socially conscious company is all stronger than ever, and we will use our resources to help solve the racial inequality injustices that exist in our country and our world. I want to thank you all for the trust and confidence that you have placed in us. We look forward to continuing to make a meaningful difference for our customers, communities, and stockholders, all who we are very honored to serve. Finally, to the Enterprise team. I often get asked the question, and I was asked this over the weekend, why is Enterprise consistently recognized as a top place to work? My totally simplistic answer that sometimes befuddles some people is always that we just simply have the best people. I have always known that you are all so special, but I didn't quite know how fully special until this past year when I witnessed widespread teamwork and tremendous wisdom, agility, and a deep, deep spirit of purpose. We have all had to move quicker and be more agile than maybe how we had operated before, simply because we had to. I'd like to think that we have learned a lot, and that there will be an even better and quicker Enterprise when we come out of all of this. Artificial intelligence, technology, the cloud, digitalization, it's all transforming how we are operating. The competition that we face is changing and will as always be intense. We need to continue to change, evolve, transform, be agile, and as the great hockey player, Wayne Gretzky always would say, "Skate to where the puck is going." We have accomplished so much in the last year and in our 32 year plus history. It is astounding that while we are still a very, very young bank, our asset size that has been grown entirely organically is now in the 94th percentile of banks in our country. We need to continue our strong growth as growth is more important than ever to banks. Enterprise is in a very advantageous position in many ways, including our size, the investments that we have made, and are making towards our future, but especially when we consider the team that we have. There is so much that is special about the core and DNA of our team, including how we care for and respect each other. Let's continue to move forward with a desire for nothing short of excellence. Let's get better every day, let's support and pick up each other, and let's never let complacency slip in. As long as we have this attitude, including providing five-star service to our customers, working together, and completing each other, our best days are ahead of us. Thank you, team, for everything and all that you do. You are amazing. Well, that was quite a bit of information, but it's been an unprecedented 14 months that I felt deserved as stellar a presentation as I've ever given at one of these annual meetings. I do want to mention that no questions have been received, so I want to close by saying thank you for your time this morning. There has never been a time in our country's history when it was more critical and more vital for independent community banks to step up and serve our customers and communities in countless ways. I touched on several examples today. Independent community banks across the country have been magnificent, and our team has certainly put Enterprise at the top of the list. I look forward to our May 2022 annual meeting, when hopefully we can join in person. I'm really keeping my fingers crossed. Thank you everyone for your trust and support. We take that trust very seriously. I hope that you and all of yours stay healthy, safe, and well. Thank you again, and have a great rest of the day.