 Start Time: 11:00 January 1, 0000 11:22 AM ET Blue Foundry Bancorp NASDAQ:BLFY Q3 2022 Earnings Conference Call October 26, 2022, 11:00 AM ET Company Participants James Nesci - President and CEO Kelly Pecoraro - EVP and CFO Conference Call Participants Laurie Hunsicker - Compass Point Operator Good morning, and welcome to Blue Foundry Bancorps Third Quarter 2022 Earnings Call. My name is Harry, and I will be your conference operator today. 