 Community Bank System, Inc. NYSE:CBU Q3 2022 Earnings Conference Call October 24, 2022 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 Eric Zwick - Hovde Group Chris OConnell - KBW Matthew Breese - Stephens, Inc. Manuel Navas - D.A. Davidson Presentation Operator Welcome to the Community Bank System Third Quarter 2022 Earnings Conference Call. 