 Financial Institutions, Inc. NASDAQ:FISI Q3 2022 Earnings Conference Call October 28, 2022 8:30 AM ET Company Participants Kate Croft - Director, IR External Relations Marty Birmingham - President CEO Jack Plants - CFO Justin Bigham - Community Banking Officer Sean Willett - CAO Mike Grover - Director of Financial Planning Analysis Conference Call Participants Damon DelMonte - KBW Alex Twerdahl - Piper Sandler Erik Zwick - Hovde Group Operator Hello, and welcome to todays Financial Institutions, Inc. Third Quarter 2022 Earnings Call. My name is Elliot, and Ill be coordinating your call today. 