PresentationThank you for standing by. My name is Carly, and I will be your conference operator today. At this time, I would like to welcome everyone to the Eagle Financial Services, Inc. Q3 Earnings Call. [Operator Instructions]Nicholas Smith Thank you. Good morning. Thank you for joining us for our third quarter earnings conference call. Before we begin, please note that the information provided during this call will contain forward-looking statements. Actual results or outcomes may differ materially from ...