 Community Bank System, Inc. NYSE:CBU Q4 2022 Earnings Conference Call January 24, 2023 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Dimitar Karaivanov - EVP of Financial Services and Corporate Development Conference Call Participants Alex Twerdahl - Piper Sandler Matthew Breese - Stevens Chris OConnell - KBW Erik Zwick - The Hovde Group Operator Welcome to the Community Bank System Fourth Quarter and Full Year 2022 Earnings Conference Call. Please note that this presentation contains forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 that are based on current expectations, estimates and projections about the industry, markets and economic environment in which the company operates. 