Mark Tryniski | CEO, President & Director |
Joseph Sutaris | EVP, CFO & Treasurer |
Joseph Serbun | EVP, Chief Credit Officer & Chief Banking Officer |
Alex Twerdahl | Piper Sandler & Co. |
Russell Gunther | D.A. Davidson & Co. |
Erik Zwick | Boenning and Scattergood |
Chris O'Connell | KBW |
Matthew Breese | Stephens Inc. |
Welcome to the Community Bank System Third Quarter 2020 Earnings Conference Call. Please note that this presentation contains forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 that are based on current expectations, estimates and projections about the industry, markets and economic environment in which the company operates. Such statements involve risks and uncertainties that could cause actual results to differ materially from the results discussed in these statements. These risks are detailed in the company's annual report and Form 10-K filed with the Securities and Exchange Commission. Today's call presenters are Mark Tryniski, President and Chief Executive Officer; and Joseph Sutaris Executive Vice President and Chief Financial Officer.