Hello, and welcome to the annual meeting of shareholders of ESSA Bancorp, Inc. Please note that today's meeting is being recorded. During the meeting, we'll have a question-and-answer session. You can submit questions or comments at any time by clicking on the Q&A tab. It is now my pleasure to turn today's meeting over to Mr. Robert Selig, Chairman of the Board of Directors of ESSA Bancorp, Inc. Mr. Selig, the floor is yours. Thank you. Welcome to the Annual Meeting of Shareholders of ESSA Bancorp, Inc. The Annual Meeting will please come to order. My name is Robert Selig Jr., Chairman of the Board of Directors of ESSA Bancorp, Inc. and ESSA Bank & Trust. We hope that all of you participating today and all of your families are doing well during this difficult time. Due to the public health concerns regarding the coronavirus and to support the health and well-being of our employees, directors, and shareholders, we decided to hold this annual meeting via live webcast. On behalf of the directors and the officers of the company, let me welcome you and express my appreciation to you for participating in this online meeting today. I would also like to take this opportunity to thank some of the people who have been responsible for the company's success over the years. First, the company's board of directors, Gary S. Olson, Joseph S. Durkin, Christine D. Gordon, Daniel J. Henning, Philip Hosbach, Tina Q. Richardson, Carolyn P. Stennett, and Elizabeth Weeks. We also would like to thank our directors emeritus, John E. Burrus, William P. Douglass, John S. Koonover Jr., William A. Zielnicki, and Frederick E. Kutteroff. I would now like to turn the meeting over to Gary S. Olson, our President and Chief Executive Officer, who will serve as Chairman of this annual meeting of shareholders. Thank you, Mr. Chairman. Let me add my warm welcome to our shareholders in attendance at this virtual meeting. Now I'd like to thank some of our executive officers of the company. First, Peter Gray, Senior Executive Vice President and Chief Operating Officer. Allan Muto, Executive Vice President and Chief Financial Officer. Charles Hangen, Executive Vice President and Chief Risk Officer. Thomas Grayuski, Senior Vice President, Human Resources Services Division. Joseph Bonsick, Senior Vice President and Chief Banking Officer. Stephanie Lefferson, who will act as Secretary of today's annual meeting. Each of these executives have been in banking long enough to have experienced various economic cycles. They work daily to achieve our mission, follow our guiding principles, and implement our strategic plans. We maintain a performance-focused corporate culture that supports growth, productivity, and profitability. Now, if you need access to our proxy statement and annual report, links to these documents are available online. Also, we intend to follow the rules of conduct for this meeting, a copy of which is located on the annual meeting portal. I ask for your cooperation and that you follow those rules so we can complete the meeting in a timely and organized fashion. You may submit written questions at any point today by clicking the Q&A tab in the upper right portion of the meeting center screen. We will address all questions that relate to the matters conducted at this meeting following our presentation on the operations of the company. The board of directors has appointed Jeanette Rocha from Computershare to act as the Inspector of Election at the annual meeting and to count and examine all voting. The inspector's report will be attached to the minutes of the annual meeting. The Secretary has delivered to the inspector a list of the shareholders of the company entitled to vote at the annual meeting, arranged in alphabetical order as of the close of business on 10th January, 2022, the record date for voting. The Secretary informs me that the records of the company show that there were 10,489,391 shares of common stock issued, outstanding, and entitled to vote at this annual meeting, of which 5,244,696 represent a majority. We have previously received confirmation that the notice of annual meeting and a proxy card were mailed on 24th January, 2022 to each shareholder of record as of the close of business on the record date. The Secretary has previously delivered to the inspector the list of shareholders and all proxies that have been received. The Secretary informs me that more than a majority of the total outstanding shares entitled to be voted at the annual meeting are in attendance virtually or by proxy. The inspector is making an exact count and will submit a formal report on the number of shares present or represented during the course of the annual meeting. A quorum is declared present, subject to the confirmation of that fact by the inspector in her report. The business to be acted upon at the annual meeting, as stated in the notice of the annual meeting, is to consider and act upon, one, the election of four directors, two, the ratification of the appointment of S.R. Snodgrass, P.C. as the independent registered public accounting firm of the company for the fiscal year ending 30th September, 2022, and three, the consideration of an advisory non-binding resolution regarding the compensation of the company's named executive officers as described in the executive compensation section of the proxy statement. Because no shareholder proposals were properly filed with the company secretary in advance of this annual meeting as provided in the bylaws, the business of this meeting is limited to the foregoing three matters in accordance with the bylaws. The proxy solicited by the board of directors can be tallied at one time, even though each proxy contains three different matters for consideration. Similarly, the ballots that any shareholder present seeks to cast online can be handled the same way. Accordingly, I intend to proceed to discuss each matter separately, and when the discussion of one item is finished, I will move on to the next item. At the conclusion of the discussion of the three items, we will take a vote on all items. I will then make a presentation on the operations of the company. We will consider the proposals in the order presented in the notice of the annual meeting. You may submit questions on the proposals by clicking the Q&A tab on the upper right portion of the meeting center screen. The first item of business to be voted upon is the election as directors of the company of Joseph S. Durkin, Christine D. Gordon, Gary S. Olson, and Carolyn P. Stennett, each to serve a three-year term and until their successors have been elected and qualified as described in the proxy statement. The second item of business to be voted upon is the proposal to ratify the appointment of S.R. Snodgrass, P.C. as the independent registered public accounting firm of the company for the fiscal year ending 30th September, 2022. The third item of business to be voted upon is the advisory non-binding resolution regarding the compensation of the company's named executive officers as described in the executive compensation section of the proxy statement. At this time, have any questions regarding the three proposals been submitted? There are no questions at this time. Thank you. This concludes the discussion on all matters. Will the stockholders who wish to vote at this time please do so by clicking on the link provided online. If you have already voted, there is no need for you to recast your vote. However, if you have not yet voted or wish to change your vote, you may do so by clicking on the Vote tab in the upper right portion of the meeting center screen. The online voting is now closed. While the balloting is being finalized and confirmed, I will present a report on the operations of the company. Our first slide has our disclosure for forward-looking statements in Safe Harbor. Next, we have our ESSA Bancorp at a glance slide, which shows our key numbers, our capital strength, the products and services that we offer, and a brief paragraph on where we conduct business. Regarding where we conduct business is the next slide. As you can see in the blue, these are the counties in Eastern Pennsylvania in which we have branches, and in the gold is our counties that we also conduct commercial lending activities. Next slide, a little bit about our fiscal 2021 highlights. We captured the headline from our annual report, which was titled Gaining Momentum, and we put that on there as we've continued to have excellent results. This was our best year ever for full year of earnings at $16.4 million, which was a 14% increase over 2020. The other record that we set was our total loan production in excess of $500 million, led by our commercial and residential loan production. Our asset quality and capital remained strong. As you've noticed for the last two years, the pandemic has interrupted our normal business activities. We had our response utilizing Paycheck Protection Programs, insisting that our employees would become vaccinated, and implementing a hybrid work model which addresses the ability to work from home. Net interest margin increased 20 basis points to 2.96%. Total deposits grew $92 - $1.64 billion, which was a 6% increase over 2020. As a result, we were able to eliminate all Federal Home Loan Bank borrowings. Our non-interest income business lines contributed $859,000 in net income. As a result, again, of the pandemic, our digital channels became much more valuable. Our mobile transactions increased 34%. Our commercial remote deposit capture volumes increased by $107 million or 15%, and our ACH origination volumes rose 22% year-over-year. Our business online wire volume increased 16% compared to the previous year. Now, the next two slides show the changes in our loan and deposit makeup. As we've been saying for the last few years, that we've been moving more towards a commercial focus, and you can see that in this slide as our commercial loan growth has increased $171 million over that three-year time period. Moving on to our retail deposit composition. You can see that our core deposit growth, which is what we've been focusing on, has increased $403 million. Then moving on to our next slide, which backs up to our consolidated financial highlights. As you can see, the trend lines are all moving in the right direction, upwards. Again, net income for 2021 was our all-time record here at ESSA at $16.4 million. Pushed our earnings per share to $1.65, and our tangible book value per share is $17.92. Continue to have solid asset quality. Nonperforming and charge-offs have been very good, and our nonperforming trend is moving in the right direction down. Next slide shows our focus on efficient operations, leading to an efficiency ratio at 64.5%. You can see again that trend line has moved downward since 2018, when we were above 70%. Capital strength remains strong as measured by the regulators in the industry. Next slide shows tangible book value as it continues to increase versus where our stock price is at. Finally, market capitalization, which shows where our market cap has gone as we've repurchased 1.4 million shares over the last two years. One area we're very proud of is our CRA initiatives and our community involvement. There's a number of bullet points there. I'll just point out the third bullet point. We're very proud to be part of the federal program, CARE and STAR programs, which help those reentering society to get a start on their ability to move back into society and become productive members. Then a little bit about our community, our employees. Another thing we've been proud of is 2,500 hours of service to over 80 community organizations. Our partnership with Everfi, which is a financial literacy program, reached 540 students at 4 schools for a total of 1,307 hours of learning, and 305 of those students are from low and moderate income communities. The bank has made over $180,000 in contributions to support 135 community organizations, and our foundation has awarded this past year $1.4 million in grants to community organizations throughout our markets, supporting housing related programs, parks and recreation, education, community health, and the arts. Next slide shows a little bit about our brand and promotion message, which, when you're out in the community, you'll see us in various spots, billboards and such. Finally, finishing up with our strategic objectives going forward. COVID has not gone away, so we continue to concentrate on the things we need to do from a leadership perspective to keep our employees and customers safe. We continue to move forward with our balance sheet transition towards commercial lending. Continue to work with Fiserv on our digital strategies to improve customer adoption and supplement our branch footprint. Continue to grow our non-interest income lines of business. Again, disciplined expense management as we continue to work on the efficiency ratio. Finally, a very strong effort to have an enterprise-wide risk management practice in place. That concludes my annual report. At this point, have any questions regarding the company been submitted? There are no questions, Mr. Olson. Thank you. The inspector has completed her count, and the secretary will now report on the certificate and report of the Inspector of Election. Thank you, Gary. The report confirms that a quorum is and has been in attendance at the annual meeting for all purposes. The report also shows that, one, each nominee for director received the affirmative vote of at least 86% of the shares of common stock voted at the annual meeting. Two, the proposal to ratify the appointment of S.R. Snodgrass, P.C., as the independent registered public accounting firm of the company for the fiscal year ending 30th September, 2022, received the affirmative vote of a majority of the votes cast at the annual meeting. And three, the advisory non-binding resolution regarding the compensation of the company's named executive officers, as described in the executive compensation section of the proxy statement, received the affirmative vote of a majority of the votes cast at the annual meeting. Accordingly, each of the 4 nominees for director has been elected. The proposal to ratify the appointment of S.R. Snodgrass has been approved, and the advisory non-binding proposal with respect to the company's executive compensation has been approved. Thank you. Thank you, Stephanie. The certificate and report of the Inspector of Election has been accepted and approved and will be attached to the minutes of the annual meeting. At this time, are there any other additional questions or comments? There are none. Thank you. There being no further business to come before the annual meeting, a motion to adjourn is in order. I move that the annual meeting be adjourned. I second the motion. Those in favor signify by saying aye. Aye. Aye. Those opposed, say no. The motion is carried, and the annual meeting is now adjourned. Once more, on behalf of everyone at the company, I want to thank all of you for participating in today's meeting and for the interest you have shown in the affairs of your company. We hope everyone remains well, and we look forward to holding this meeting in person next year. Thank you, and have a good day. Ladies and gentlemen, this concludes the meeting. You may now disconnect.