 Independent Bank Corp. NASDAQ:INDB Q4 2022 Earnings Conference Call January 20, 2022 10:00 AM ET Company Participants Chris Oddleifson - President CEO Mark Ruggiero - CFO Conference Call Participants Mark Fitzgibbon - Piper Sandler Steve Moss - Raymond James Laurie Hunsicker - Compass Point Chris OConnell - KBW Operator Good day, and welcome to the INDB Independent Bank Corp. Fourth Quarter 2022 Earnings Call. All participants will be in listen-only mode. 