 NBT Bancorp Inc. NASDAQ:NBTB Q3 2022 Earnings Conference Call October 26, 2022 8:30 AM ET Company Participants John Watt - President CEO Scott Kingsley - CFO Annette Burns - CAO Conference Call Participants Alexander Twerdahl - Piper Sandler Companies Christopher OConnell - KBW Operator Good day, everyone and welcome to the NBT Bancorp Third Quarter 2022 Financial Results Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SECs Regulation FD. 