 Community Bank System, Inc. NYSE:CBU Q2 2020 Earnings Conference Call July 27, 2020, 11:00 AM ET Company Participants Mark Tryniski - President and Chief Executive Officer Joseph Sutaris - Executive Vice President and Chief Financial Officer Joseph Serbun - Executive Vice President and Chief Banking Officer Conference Call Participants Alex Twerdahl - Piper Sandler Erik Zwick - Boenning Scattergood Russell Gunther - D.A. 