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paBanker Magazine 2020 Q1\Q2

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QUARTERPA Banks Respondyea IN REVIEWCOVID-19WOMEN IN BANKING Recognition of Excellence Award Winners

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PA Bankers Association » Quarters 1 & 2, 2020 3thisISSUEIN EVERY ISSUEFEATURES6 Chairman’s Insights8 From the CEO to the CEO10 Community Corner30 Government Relations38 A Look Ahead42 Vendor Articles18 2019 Year in Review20 Women in Banking Recognition of Excellence Awards22 Driving the Strategy: A Board’s Role in Diversity and Inclusion24 What's the Next Crisis?26 Succession in a COVID-19 World28 The New Normal: Embrace FinTech to Meet Customer Needs10QUARTER 1, QUARTER 2 | VOLUME 22.1PA Banks Respondyear IN REVIEWCOVID-19WOMEN IN BANKING Recognition of Excellence Award WinnersCOVID-19: PA BANKS RESPONDon the cover20

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4 » PA Bankers Association pabankers.comPA Bankers Association 54 Volume 21.1 | Quarter 1C/A COMPLIANCE PRODUCTS BY TOOL TYPECalculatorsCheat SheetsChecklistsFormsPolicy ToolsProceduresSummariesRisk AssessmentsTrainingPast EventsCOMPLIANCEAUDITBSARISK ASSESSMENTACCOUNTINGINFORMATION TECHNOLOGYSTAFF TRAININGHUMAN RESOURCESADVERTISING / MARKETINGDEPOSIT OPERATIONSLOAN OPERATIONSCOST CENTERSREVENUE CENTERSALL-INCLUSIVE PRODUCTS

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PA Bankers Association » Quarters 1 & 2, 2020 5PA Bankers STAFF DIRECTORYGeneral Phone/Switchboard (717) 255-6900President & Chief Executive Ocer  dcampbell@ pabankers.com | (717) 255-6916External RelationsExternal Relations Administrative Assistant adoyle@pabankers.com | (717) 255-6937Director, Advocacy & Government Relations ekanter@pabankers.com | (717) 255-6910Vice President, Government Relations dreisteter@pabankers.com | (717) 255-6933Federal Government Relations & General Counsel Legal Assistant lbrandt@pabankers.com | (717) 255-6936General Counsel lrynd@pabankers.com | (717) 255-6935Finance & Operations Registrar and Records Coordinator jillametrano@pabankers.com | (717) 255-6927 Receptionist and Administrative Assistant mbosch@pabankers.com | (717) 255-6900 Director, Information Technology cferraro@pabankers.com | (717) 255-6921Director of Marketing & Communications shocker@pabankers.com | (717) 255-6912 Director, Finance amoshgat@pabankers.com | (717) 255-6938 Senior Vice President, Finance & Operations mstaton@pabankers.com | (717) 255-6923 Communications & Marketing Coordinator cyoung@pabankers.com | (717) 255-6915Member Relations, Professional Development & PA Bankers Services Corporation Vice President, Professional Development jcatalano@pabankers.com | (717) 255-6939 Director, PA Bankers Services Corporation tchambers@pabankers.com | (717) 255-6928 Director, Member Relations kmcdermott@pabankers.com | (717) 255-6914 Member Relations Administrative Assistant lscott@pabankers.com | (717) 255-6903 Senior Vice President, Member Relations and Professional Development, and Managing Director, PA Bankers Services Corporation cwallett@pabankers.com | (717) 255-6913 Vice President, Business Development wwhipple@pabankers.com | (717) 255-6925 Director, Residential Schools & Meeting Operations mwisniewski@pabankers.com | (717) 255-6934magazineSTAFF  Sara E. Hocker Editor Editorial J. Duncan Campbell III Advisors Jacqueline A. Catalano   TianiA.Chambers Daniel J. Reisteter Louise A. Rynd Michelle L. Staton Cynthia L. Wallett Wayne R. WhipplePA Bankers Services Corporation Board of Directors and Ocers President Steven G. Fisher  David P. Ruddock  J. Duncan Campbell III  Maureen H. Beilman John D. Blecher Gerard A. Champi Trudy K. Everhart Richard L. Greslick Karl F. Krebs David E. Raven Jennifer A. Poulsen M. Theresa Schwartzer   JereyA.StopkoAddress Correspondence to: paBanker Magazine c/o Pennsylvania Bankers Association 3897 N. Front St., Harrisburg, PA 17110 Tel. (717) 255-6912 E-mail: shocker@pabankers.compaBanker Magazine is published four times a year by the PA Bankers Services Corporation (Services Corporation), a subsidiary of the Pennsylvania Bankers Association (PA Bankers). The Association serves Pennsylvania banks and nancialinstitutionswitheducationalprograms,member services and represents members on the state and federal level. Since 1895, PA Bankers continuouslyworkedtobethepremiernancialservicesorganizaionsupportingadiversiedmembership through volunteer participation, a knowledgeablesta,stateofthearttechnologyand a commitment to excellence.paBanker Magazine istheocialpublicationofPA Bankers. Subscriptions are free to all member institutions and PA Bankers volunteers. Additional copies are available to members at a rate of $40 per year. Non-member subscriptions are available for $60 per year.EditorialThe opinions expressed in articles by authors otherthanAssociationstaandocersarethe responsibility of the authors only and not necessarily those of the PA Bankers, the Services Corporation or its members. All articles, unless otherwise notied, have been written by paBanker Magazinesta.Questionsandcommentsshouldbe addressed to the Managing Editor. PA Bankers members may reproduce any non-commercial part of this publication with verbal permission from the editor. All others must receive written permission from the editor prior to reproduction of any part of this publication. Copyright ©2003 PA Bankers Services Corporation. All Rights Reserved.Postmaster, send all address changes to:paBanker Magazine 3897 N. Front St., Harrisburg, PA 17110Printed by: HAAS Printing CoSponsored by:

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6 » PA Bankers Association pabankers.coms we start what might be the most unique second quarter in our industry, our economy and our world, I am reminded that at the beginning of 2020, we were not even thinking about COVID-19. During the first week of March 2020, we were only starting to talk about it. And yet, as March unfolded, we talked about it every day, as part of every leadership discussion at every level; and we were called to act and react as new events unfolded daily.This unprecedented cadence continues as we enter the summer season. We find ourselves - first and foremost - at the center of a health crisis that is testing our resolve personally, socially, professionally and economically. The economic crisis that follows is not an afterthought; however, while profits are important, they become a comparative distant to the health and safety of ourselves, our families, our employees and our customers. We have all taken measures that now extend well past enhanced cleaning and social distancing measures, and we are well into adjusting to managing a remote workforce, modifying branch AOur Industry is at the Heart of the COVID-19 ResponseT. MICHAEL PRICEPresident & CEO, First Commonwealth Financial Corporationaccess to drive thru and lobby-by-appointment only, and in some cases, hours reductions and re-allocation of our employees to other areas in our banks.How very fortunate we are to be part of an essential industry that has been challenged and is responding in creative ways that allow us to continue serving our customers and our communities every day, all while ensuring we are doing our part to keep others safe. There’s never been a better time to be proud of the progress we have made in digital banking, which provides online and mobile access to our customers at a time when it’s most relevant if not necessary.Even more fortuitous is that we find our industry at the heart of helping our customers to understand and have access to the relief opportunities that exist within the CARES Act that was passed by Congress on March 27.In the spirit of doing what’s right for customers and communities, many of us were already extending financial assistance in the shape of forbearance programs and reprieve in the areas of foreclosures, repossessions and fees. chairman’sINSIGHTS

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PA Bankers Association » Quarters 1 & 2, 2020 7Now we are at the center of being able to emerge as lending leaders and guide our business customers through the Paycheck Protection Program component of the CARES Act, helping them secure portions of the $660 billion that is available to help businesses keep their workforce employed during the economic downturn. I have heard from so many business owners – as I’m sure you have, as well. One of the more telling interactions I had might be symptomatic of hardships that many of our business customers are facing. This was a second-generation business owner of a non-essential business – specifically, an event and dining venue. He has watched his book of business dissolve for the foreseeable future, as all events have been canceled. He was dependent on the business he historically does during Easter weekend to pay his taxes for the year. This year he will not open in April. This was a formidable business -- a staple in the community -- just one month ago. And it is my hope that they will become that again – but they’ll need help. We have the chance to make a difference for the future of business owners like these - and their employees. What a privilege. Experience Small-Balance CRE Property Valuation As It Can Be®BoxwoodMeans.coM/LendersPlace Your Next Order with Boxwood MeansON-TIMEFIXED FEESLESS COSTLYACCURATENATIONWIDEAUTOMATEDCOMPLIANT FASTRETAILPROACTIVETHOROUGHVETERAN APPRAISERSDATA RICHPRUDENT ANALYSISINTEGRATED INSPECTIONSEFFICIENTOFFICETRACKABLEINDUSTRIALTRUSTWORTHYCLIENT FOCUSEDHANDS-ONCOLLABORATIVERESPONSIVEFLEXIBLETECH-INTENSIVECONVENIENTMIXED USERUSH OPTIONSMULTIDASHBOARD ACCESSFAMILYFieldSmart evaluat i onS ■ FieldSmart reStricted appraiSalSContact Dave Colonna ■ Telephone 203.653.4100 x121Email David.Colonna@BoxwoodMeans.comVALUEOn a call with our 1,500 First Commonwealth Bank employees recently, I shared that as I reflect I am optimistic. Optimistic for the future of our company and our industry, but also optimistic that crises like these can refine us and make us better. And I’m also proud. I’m proud at how nimble we’ve been as an industry, responding to circumstances that we’ve never expected. And I’m proud of how we’ve adapted to change that, quite frankly, none of us imagined just a month ago.Take care of yourselves, take care of your families, take care of each other.

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8 » PA Bankers Association pabankers.comwant to start this column by expressing gratitude to all of our bankers for the herculean efforts that you have all provided during this Coronavirus health crisis to Pennsylvania’s residents, local communities, small businesses, working families (and the list goes on). Our bankers have been at the center of this emergency, providing the financial support and confidence to their customers, so that those individuals can give their full attention to their own personal health and safety, and that of their loved ones. On behalf of the PA Bankers staff, we say thank you for all that you have been doing under an immense amount of pressure and public interest.The banking industry is identified by the Department of Homeland Security as one of 16 critical infrastructure sectors. And I can think of no industry that has been more critical to this emergency than the banking industry. How would other essential businesses be able to pay their personnel without the support of their bank? How would working families be able to pay for food during this challenging time? COVID-19: We’ll Get Through This TogetherOur bankers have stepped up their operations to ensure that they can continue to serve the rest of us, and for that we say thank you.I want to talk about the PA Bankers staff for a moment and offer my personal appreciation for each and every member of our team. From day one of COVID-19, the association staff has worked tirelessly to ensure that our members have the resources necessary to do their important work. And we will continue to offer the support we can throughout the remainder of this crisis, so as to assist our banks with relevant and timely information; ongoing government relations representation; and overall moral support.I could not be prouder of the efforts of the PA Bankers team at this time, and I could not be more grateful for the kind words and notes of thanks that we have received from our members. This PA Bankers staff will run through a brick wall for the membership; not for the recognition, but because we believe in Pennsylvania’s banking industry. You inspire us with your selflessness, and you motivate us by your courage. This association is here to make our bankers’ lives easier, and when this is all said and done, I hope that we have met that metric for all of you. On Friday, March 13, we made the decision to postpone any member in-person interaction through the end of March, and we made the decision to begin testing our work-from-home posture the following Monday (March 16). We did not fully realize at that time that our “test” day would turn into our work structure for the rest of March, April and, as of this writing, the foreseeable future. And, subsequently, we extended the moratorium on in-person member activities through the end of June. These were the right decisions to make. The health and safety of our staff and our members remains my top priority, and we will continue to heed the guidance that we are receiving from our federal and state authorities to make sure that we do our part to protect ourselves and our neighbors from this insidious disease.With our decision to postpone banker events until June 30, we realized that such a decision would impact our annual convention—what was to be our 125th annual meeting of the Pennsylvania Bankers Association. from the CEO to the CEODUNCAN CAMPBELLPresident & CEO, PA Bankers Association

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PA Bankers Association » Quarters 1 & 2, 2020 9While this was a tough decision to make on the surface, we all knew it was the right one to make for the health and safety of our association; and as we have learned, ultimately the decision was made for us. We will come back together when this is over and celebrate our 125-year anniversary milestone, but for now, we will focus on the task at hand.I want to leave you with one personal anecdote from this COVID-19 situation. We all may know individuals who have been directly inflicted with this insidious virus. And my heart goes out to all of you who have been personally affected by the loss of a loved one. My personal connection to this sickness is through a friend of ours who lives in Montgomery County. Mike first fell ill on March 9 with chills and a fever. Two days later his wife and four daughters experienced symptoms, as did his parents and in-laws. Mike’s symptoms worsened to where his breathing was severely impacted. He was rushed to the hospital and placed on a ventilator, and for the next 17 days, he stayed on that ventilator and fought for his life. Mike is home now with his family, all of whom appear to be recovered, and he is going to be fine. I share this with you to underscore the fact that no one is immune to this virus. Mike is 43 years old and has no pre-existing health conditions that would make him more susceptible than anyone else. He just happened to be exposed to the virus in early March when this crisis was unfolding. Please take care of yourselves and your families. Listen to the professionals, and let’s all do our part to limit the COVID-19 spread.I want to thank you all, again, for all that you are doing for your customers and communities. Your PA Bankers staff is here to support you. Please reach out to us and let us know how we can assist your efforts. We are going to get through this, and we are going to get through this together.Sincerely,CINNAIRE.COMIt takes more than good intentions to transform communities. It takes capital, development capacity and trusted partnerships. For over 25 years, we’ve been connected to and involved in the communities we serve. We’ve listened and learned, and consistently turned intentions into real transformation. And with more than $7.3 billion in community impact, our commitment to creating healthy communities has never wavered. The Return on Investment: Safe, Aordable Homes. Healthy Communities. Better Lives.Transforming Communities. Transforming Lives.

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10 » PA Bankers Association pabankers.comcommunityCORNERMember: FINRA and SIPCOklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Long Island, NY | Salt Lake City, UT | Springfield, ILThe Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc.www.GoBaker.com | 800.937.2257Successful financial institution managers know the importance of achieving a high-performance plan. Establishing such a plan requires not only sound data and accurate information, but also an insightful partner; The Baker Group is that partner.Leaders in innovation. The Baker Group remains the industry leader when it comes to innovation. We are truly a one-stop shop that never outsources our customizable reporting services. To find out how The Baker Group can assist your institution in defining and meeting its financial objectives, call your Baker representative or Ryan Hayhurst at 800.937.2257.Investment Portfolio ServicesBalance Sheet ManagementEducationPublic FinanceStrategic PlanningFundingBond Accounting and AnalyticsOur Experience Will Guide Your Institution to the Next LevelHigh-Performing Financial Institutions Have High-Performing PartnersNEW TRIPOLI BANKParkland School District Education Foundation: New Tripoli Bank donated $10,000 to the Parkland School District Education Foundation as part of an ongoing effort to support public education in its community. This donation went toward supporting educational programs that might not otherwise receive funding, providing the students of Parkland School District with the tools and skills they need to thrive. These funds were utilized for educational grant opportunities to students and educators in the district, funding academic projects that offer enhanced and unique learning experiences for their students.East Penn School District Education Foundation: New Tripoli Bank donated $25,000 to the East Penn School District (EPSD) Education Foundation as part of an ongoing effort to support public education in its community. This donation went toward refurbishing the Macungie and Wescosville Elementary School libraries to Thank You for Supporting Your Local Communities!improve the overall function of library spaces. The EPSD Education Foundation plans to utilize the donated funds to design spaces that promote problem solving, innovation, project-based learning, student choice and flexibility.Cetronia Ambulance: New Tripoli Bank donated $10,000 to the Cetronia Ambulance Corps in recognition of the important role this organization plays in the health of its community. Cetronia Ambulance Corps is the largest community-based nonprofit ambulance service in Eastern PA, answering more than 60,000 calls a year and providing 911 service to more than 100,000 residents. It also provides emergency response training and education programs.Northern Valley EMS: New Tripoli Bank donated $10,000 to the Northern Valley EMS, Inc. (NOVA) in recognition of the important role this organization plays in the health of its community. NOVA provides nonprofit emergency medical services to Walnutport, Slatington and the Townships of North Whitehall, Washington, Heidelberg and areas of Lowhill in Lehigh County. It operates year-round, 24-hour ambulance services to its community and provides emergency response training and education programs.Parkland School District Education FoundationEast Penn School District Education FoundationCetronia Ambulance

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PA Bankers Association » Quarters 1 & 2, 2020 11Member: FINRA and SIPCOklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Long Island, NY | Salt Lake City, UT | Springfield, ILThe Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc.www.GoBaker.com | 800.937.2257Successful financial institution managers know the importance of achieving a high-performance plan. Establishing such a plan requires not only sound data and accurate information, but also an insightful partner; The Baker Group is that partner.Leaders in innovation. The Baker Group remains the industry leader when it comes to innovation. We are truly a one-stop shop that never outsources our customizable reporting services. To find out how The Baker Group can assist your institution in defining and meeting its financial objectives, call your Baker representative or Ryan Hayhurst at 800.937.2257.Investment Portfolio ServicesBalance Sheet ManagementEducationPublic FinanceStrategic PlanningFundingBond Accounting and AnalyticsOur Experience Will Guide Your Institution to the Next LevelHigh-Performing Financial Institutions Have High-Performing Partners

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12 » PA Bankers Association pabankers.comcommunityCORNERUNIVEST FINANCIALPhiladelphia Ronald McDonald House: Univest Financial teamed up with the Philadelphia Ronald McDonald House (PRMH) for its Show Your Stripes campaign, raising $6,650 for PRMH’s mission of supporting families of seriously ill children by creating a community of comfort and hope. The money was raised through the sale of iconic red and white striped socks in all 39 of Univest’s financial centers. Kisses for Kyle Foundation: Univest Financial announced Kisses for Kyle Foundation as the winner of its eighth annual Caring for Community Giveaway, a contest that awards $5,000 to a local nonprofit organization. Kisses for Kyle offers a variety of services to families fighting childhood cancer in the Delaware Valley. Founded in 2001, Kisses for Kyle currently assists more than 1,300 family members with a variety of programs, services and special family events. The Foundation’s mission is to minimize stress in the hopes that each family’s focus can remain on what is most important: caring for their children. Kisses for Kyle plans to use the $5,000 donation to support its scholarship program that awards financial assistance to students who battled childhood cancer and plan to pursue a degree in a field that will help other children with cancer. FNCB BANKMountain Top Area Little League: Last year, FNCB Bank supported the community with a $10,000 grant awarded to the Mountain Top Area Little League for the purchase a scoreboard at the recently renovated Frank R. Orloski Field.Mountain Top Area Little LeaguePhiladelphia Ronald McDonald HouseKisses for Kyle Foundation

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PA Bankers Association » Quarters 1 & 2, 2020 13RIVERVIEW BANKPottsville Police Bureau: Riverview Bank donated $7,585 late last year to the Pottsville Police Bureau. This contribution will allow the bureau to purchase in-car video systems, first-aid equipment and other safety equipment necessary to increase safety in the communities served and mitigate risk within the police force. Over $200,000 in EITC Invested: Riverview Bank and its operating divisions of CBT Bank and Citizens Neighborhood Bank donated over $200,000 in EITC funds late last year to local community organizations, including: Northern Dauphin County YMCA, Schuylkill Chamber Foundation, Reading Public Museum, Ned Smith Center for Nature and Art, Children’s Aid Home of Somerset County, Schuylkill YMCA, Curwensville Area School District Educational Foundation, Blue Mountain Eagle Foundation, Mount Union Library, Wyomissing Area Education Foundation, State College Area School District Education Foundation, Cumberland County Library System, Boys and Girls Club of Allentown and Exeter Community Education Foundation. THE DIME BANKWayne County Public Library: The Dime Bank contributed $24,000 to the Wayne County Public Library toward approved innovative educational programs. The libraries of Wayne County strive to support students in the three local school districts, as well as homeschooled students, to ensure they get the help they need to improve their grades, increase their confidence and encourage them to expand their educational explorations.Pottsville Police BureauWayne County Public LibraryDo you have hometown happenings that you'd like to share?Send your bank's community news to Courtney Young, PA Bankers' communications & marketing coordinator (cyoung@pabanker.com), for a chance to be featured in paBanker Magazine or on PA Bankers' social media channels and website.

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14 » PA Bankers Association pabankers.comcommunityCORNERWayne Pike SHINE Afterschool Program: The Dime Bank contributed $1,000 to the Wayne Pike SHINE (Schools and Homes in Education) Afterschool Program. This new program serves students in the school districts of Wallenpaupack Area, Western Wayne and Wayne Highlands. The goal of SHINE is to improve academic performance, behavior and attendance; increase knowledge in science, technology, engineering and mathematics principles; and increase family involvement in student learning and family literacy. Greater Pike Community Foundation The Dime Bank donated $5,000 to the Greater Pike County Community Foundation (GPCF) through the EITC program. Through the GPCF, the EITC Program provides significant funding for innovative educational programming enhancements in Science, Technology, Engineering and Math (STEM) at Delaware Valley School District (DVSD). The funding will continue to support MakerSpace laboratory and summer science camp as well as help kick-off a new after school LEGO-based computer coding club for elementary school students. This new program will explore hands-on learning and have a large impact on the students’ education and preparation for an increasingly technology-based world. Greater Pike Community FoundationWayne Pike SHINE Afterschool ProgramWELLS FARGOYWCA Pottstown: On Sept. 11, the Berks Lancaster Branch Manager team assisted in helping a teacher at YWCA Pottstown to make her classroom more effective and efficient for her students to get their art supplies and games. The YWCA is an organization that empowers women and allows women to be in the workforce and still be a parent. They provide services for early education, adult education, workforce development and many other services that assist in the growth of the community. Harrisburg Habitat for Humanity: The Mid Central Wells Fargo team conducted two builds with the Harrisburg Habitat for Humanity late last year. Team members worked to convert an older home into a duplex set to provide homes to multiple families. YWCA PottstownHarrisburg Habitat for Humanity

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PA Bankers Association » Quarters 1 & 2, 2020 15NEW TO PA BankersAffiliate Members:• Blanchard Consulting Group• Borden Perlman• Cash Connect - Innovating Cash Logistics • Concurrent Technologies Corporation• Dilworth Paxson• LIGHTSTREAM• Ncontracts• OTC Markets Group, Inc.• RKL LLPAssociate Members:• Synchrony BankFinancial Institutions:• cfsbank • Jonestown Bank and Trust CompanyCommunications & Marketing Coordinator: • Courtney Young“I grew up in Newport, just 30 minutes from Harrisburg, and graduated from Susquehanna University last May with a degree in Public Relations. I enjoy going to the beach, a good baseball game and anything that involves eating some good food. My favorite thing about working at the PA Bankers Association so far is all of my friendly coworkers who are always willing to lend a helping hand to the newbie. I look forward to learning more about the banking industry and creating lasting relationships with members and vendors.”Welcome

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16 » PA Bankers Association pabankers.comHelping Harvest Food Bank: Last year, several Wells Fargo teams volunteered at the Helping Harvest Food Bank. The mission of Helping Harvest is to feed the hungry by acquiring and distributing food to more than 300 charitable food programs. Team members were busy boxing food and supplies for families in need in Berks, Schuylkill and western Montgomery counties. Boys & Girls Club of Lancaster: Last year, Wells Fargo team members from the Berks/Lancaster branches volunteered with the Boys & Girls Club of Lancaster at Camp Hogan. The volunteers worked with the kids during their team building, art and music sessions. They played games, danced, and helped the kids to make their own puzzles. THE NEFFS NATIONAL BANKToys for Tots of the Lehigh Valley: The Neffs National Bank donated 10 boxes and three bicycles to the local Toys for Tots Allentown. Items collected include stuffed animals, dolls, monster trucks, toy cars, board games and books. Donations were received as a collective effort by the bank employees, customers, local businesses and the community. MID PENN BANKPenn State Cancer Institute: Mid Penn Bank employees completed their fourth annual “No Shave November” challenge in 2019 and raised $45,000 for the Division of Urology at Penn State Cancer Institute. The campaign, which supports prostate cancer research, rallied financial support by employees during the month of November. It also created awareness for this worthy cause by encouraging male employees to grow their facial hair. All donations raised will benefit prostate cancer research performed by Jay D. Raman, M.D., chief of the Division of Urology at Penn State Health Milton S. Hershey Medical Center.Penn State Cancer Institute:communityCORNERToys for Tots of the Lehigh ValleyHelping Harvest Food BankBoys & Girls Club of Lancaster

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PA Bankers Association » Quarters 1 & 2, 2020 17 AMONG THE BEST DECISIONS WE’VE EVER MADEUnlike most accounting and consulting firms that “work in banking,” S.R. Snodgrass works only in banking. Every hour of every day, every week, every month, every year. In fact, no other accounting and consulting firm possesses greater knowledge of community bank needs, challenges and opportunities than S.R. Snodgrass. And for the more than 70 years since our founding, we’ve been helping independent community banks while remaining steadfastly independent ourselves. If you think our unique blend of unrivaled banking expertise and personalized service could benefit your bank, please allow us to introduce ourselves. We’d be delighted to meet you.A recent survey revealed some impressive quotes from our banking industry clients. At S.R. Snodgrass, there is no greater spokesperson than a client whose expectations we’ve consistently exceeded.www.srsnodgrass.com/banking(833) 404-0344

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18 » PA Bankers Association pabankers.com2019Year in ReviewPA Bankers successfully advocated for an exclusion from sales and use tax (SUT) of canned computer software purchased by Pa. Dept. of Revenue (DOR),   DOR to ensure that taxpayers still had due process rights  NUMBER OF KEY PIECES OF STATE LEGISLATION TRACKED 1462019 PaBPAC State TOTAL... $441,761.98NUMBER OF CONTRIBUTORS... 2,574NUMBER OF MEMBER BANKS THAT PARTICIPATED... 93PERCENTAGE OF GOAL MET... 104%Government Relations:Professional Development1,841Number of attendees at PA Bankers’ conferences, seminars and annual convention1,252Number of webinars taken through Total Training Solutions320Number of attendees at PA Bankers’ Schools 1,204ABA trainings taken

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PA Bankers Association » Quarters 1 & 2, 2020 19IN 2019, 43 ORGANIZATIONS PARTICIPATED IN THE BANK HEALTH CARE CONSORTIUM OF PA, COVERING 5,899 LIVES AND RECEIVING OVER $10.7 MILLION IN SURPLUSES. Partnerships:1,841 61 8114 BANKS11 COLLEGES/UNIVERSITIESJUNIATA COLLEGE AND KISH BANKTotal returned to the association in FY18-19$618,174 (personnel/facilities, logo licensing and sponsorships)27NUMBER OF SELECT VENDORSAssociation Staff:Amount raised through charitable jeans days - $3,660RAISED FOR THE FOLLOWING CHARITIES:American Heart Association American Melanoma Foundation Central PA Food Bank Colon Cancer FoundationCrohns and Colitis FoundationCystic FibrosisEarthly Angels Local Autism Services Group Hospice of Central PA Hummingbird Program Hydrocephalus AssociationRonald McDonald HouseVista SchoolMember Relations:300Number of Committee Volunteers125Number of PA Bankers ChampionsNumber of Member Financial Institutions124113Number of Aliate MembersMarketing/Communications:TOTAL FOLLOWERS5,3141,715 1,801 1,947

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THE PATRICIA A. HUSIC WOMAN OF INFLUENCE AWARD, (LEFT):  CHAMPION FOR WOMEN AWARD (AFFILIATE MEMBER), (RIGHT): THE CATEGORIES AND WINNERS INCLUDED:20 » PA Bankers Association pabankers.comCHAMPION FOR WOMEN AWARD (FINANCIAL INSTITUTION MEMBER), (ABOVE LEFT): TOMORROW’S PROMISE AWARD, (ABOVE CENTER): Winner #1:TOMORROW’S PROMISE AWARD, (ABOVE RIGHT): Winner #2:Cgrulisto all five winners, and thank you for supporting your colleagues, institutions and communities!In celebration of the diversity and strength of Pennsylvania’s banking industry, we were pleased to honor five professionals with the Women in Banking Recognition of Excellence Awards at the seventh-annual Women in Banking Conference earlier this year.Women in BankingRecognition of Excellence AwardsfeatureARTICLES

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Jim Jarrett, Director | +1 267-670-2376 | jim.jarret@bakertilly.comIvan Cilik, Partner | +1 412-697-6480 | ivan.cilik@bakertilly.comWe’re here for you now, for tomorrow.During this uncertain time, Baker Tilly is ready to help you with practical advice to support your banking institution and help keep your business running. We’ve created a Banking Industry Coronavirus Resource Center for information and tools to assist you. Visit our website or contact one of our Value Architects™ today. advisory. tax. assurance.Baker Tilly Virchow Krause, LLP trading as Baker Tilly is a member of the global network of Baker Tilly International Ltd., the members of which are separate and independent legal entities. © 2020 Baker Tilly Virchow Krause, LLPCONTACT USbakertilly.com

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22 » PA Bankers Association pabankers.comaving the honor and responsibility of serving on the boards of Penn Community Bank, the Pennsylvania Bankers Association and FHLBank Pittsburgh, I have spent time with my fellow board members, focusing on the issues of diversity and inclusion. Though different, these two issues are inherently linked.Diversity involves attracting and retaining individuals whose broad spectrum of backgrounds, experiences and perspectives contribute to new and innovative ideas and challenge the status quo. Inclusion creates a welcoming environment that can focus these varied backgrounds and perspectives toward a shared mission.IMPACT OF DIVERSITY AND INCLUSION ON PERFORMANCEThe role of any Board of Directors is to provide guidance in establishing organizational strategy and setting expectations for management. This includes assuring that diversity and inclusion efforts are part of organizational strategy. It is a responsibility that will benefit the organization. Decades of research show that a strategic approach to diversity and inclusion drives performance. Specifically, the results of extensive studies by global management firms like Bain & Company, Boston Consulting Group and McKinsey & Company detail the meaningful impact of effective diversity and inclusion efforts on a broad range of performance metrics.For example, McKinsey & Company found that organizations with the most ethnically and culturally diverse boards are 43 percent more likely to experience higher profits. Similarly, companies with executive teams in the top quartile of racial and ethnic diversity are 33 percent more likely to have industry-leading profitability, while those in the top quartile of gender diversity are 21 percent more likely to outperform on profitability.Diversity and inclusion is a strategic imperative. The manner in which it is embedded within a strategic plan has direct implications on performance and financial results. FACING INDUSTRY CHALLENGESPennsylvania bankers face barriers to building a diverse business environment within our institutions. Despite the benefits created by fostering a diverse and inclusive work environment at all levels, including at the board and executive levels, the banking industry in Pennsylvania faces substantive challenges as it strives to identify and develop diverse talent. While 2018 Census data indicate that minorities represent nearly 40 percent of the U.S. population, minorities comprise less than 25 percent of Pennsylvania’s total population. The 2017 data compiled by the Equal Employment Opportunity Commission for the Finance and Insurance Industry across the U.S. show that women hold nearly 34 percent of executive and senior-level positions. That number falls to less than 25 percent in Pennsylvania. Similarly, the data show that minorities hold roughly 17 percent of executive and senior-level positions across the U.S., while minorities represent only seven percent in Pennsylvania.The lack of diversity in our region’s population is also evidenced in the makeup of boards and management teams. The 2018 data from SNL Banker indicates that 18 percent of CEOs, COOs and CFOs at Pennsylvania banks are women, while 20 percent are diverse. The numbers are even more challenging at the board level, with women comprising only 15 percent of Pennsylvania bank boards.featureARTICLESDriving the Strategy: A Board’s Role in Diversity and Inclusion

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PA Bankers Association » Quarters 1 & 2, 2020 23Our work is cut out for us. The benefits of diverse and inclusive cultures are clear, but our region presents challenges in building such cultures within our organizations. To make progress, we must think creatively and leverage new networks. BUILDING A TALENT PIPELINEAt FHLBank Pittsburgh, we are committed to working with our members to attract more diversity into their organizations. Because FHLBank Pittsburgh is a cooperative owned by its member institutions, the makeup of our Board is largely determined by the makeup of our members’ boards and executive teams. As a result, the diversity of those leading our Pennsylvania banks creates the pipeline of diverse talent available to serve on FHLBank Pittsburgh’s Board. One of the most effective ways to build a diverse talent pipeline is to foster relationships with local and regional organizations that promote diversity at the executive level. FHLBank Pittsburgh maintains relationships with more than 50 such organizations. One example is our ongoing relationship with the Forum of Executive Women of Philadelphia, which has resulted in the addition of four women as independent directors of FHLBank Pittsburgh. We would welcome the opportunity to introduce our members to the various organizations that have helped us identify diverse talent across our region.A FOCUS ON INCLUSIONWhile a diverse business culture is essential, it alone is not sufficient. The board also has a responsibility to set expectations regarding inclusivity. It is through a welcoming and inclusive environment that all talent can realize their full potential and maximize their contributions. Inclusiveness can be facilitated through a variety of initiatives, including training, workshops, mentoring, employee resource groups and ongoing partnerships with external organizations and community groups. Every organization needs to develop a customized strategy that will effectively address its unique needs. The board, in turn, should champion efforts to embed inclusion within the organization’s overall strategy.PREPARING FOR THE FUTUREAt FHLBank Pittsburgh, we have implemented numerous initiatives to support our comprehensive diversity and inclusion strategy, but we recognize that our journey is just beginning. We continue to seek ways to identify diverse talent for our Board while strengthening the organizational framework which supports that talent in driving strategy. As of Jan. 1, 2020, our Board is 44 percent diverse.Our industry is competing with other financial services providers, technology firms and a multitude of other businesses to attract talent. Everything we do to support the development of diverse leaders within our organizations positions us for future success.We have a responsibility within our industry to promote and publicize opportunities to serve on our boards. A lack of awareness and the visibility of some networks often lead women and minority candidates to serve on nonprofit boards when their expertise, skill sets and perspectives could provide tremendous value to our institutions.The challenges we face are complex, yet the path to overcoming those challenges is clear. It begins with the strategy we set.ABOUT THE AUTHOR: 

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24 » PA Bankers Association pabankers.comremember a speech given by , at the New York Bankers Association Convention back in the fall of 2009. It was approximately a year after the real estate debacle which culminated in September 2008 and caused what we now know as the great recession.Mr. Dimon recalled how his daughter, who was in college at that time, had asked him three questions, (1) Dad, aren’t you scared and afraid, (2) will the country ever be the same and (3) what can you, or anyone do about the then current situation?His response was unexpected and telling.  Isn’t that interesting?He went on to say that during his post college adult lifetime and throughout his career, he had witnessed many difficult and sometimes tragic events that in most cases changed the direction of business and often the world as we knew it.He began by talking about the oil  when we impatiently waited in lines to get gas for our automobiles. I specifically remember this time because it occurred while I was in college.He then talked about . I remember getting my first mortgage at a rate of 14.5 percent and thinking I got a bargain. I certainly didn’t mind the 12-percent CDs or Money Market accounts back then, and I would like to have one of those today.He went on to speak about the late This was the result of the changing of the ground rules as they related to goodwill. The dispute boiled down to an accounting incentive for goodwill that the government provided to thrifts in the early to mid-1980s to persuade them to acquire insolvent savings and loans. But unlike the traditional accounting designation of goodwill found in the billions of dollars on the books of most companies, government regulators came up with something they called “supervisory goodwill” to encourage healthy thrifts to take over failed institutions.Under the government’s plan, regulators estimated the difference between the value of a failed thrift’s liabilities and its assets, creating illusory “supervisory goodwill.” Healthy thrifts were told to place that amount as an asset on their balance sheets if they agreed to acquire the failed S&Ls. Regulators then told the thrifts they could have 40 years to amortize, or write off, the goodwill. However, in 1989, Congress passed a law requiring the thrifts to slash the amortization period to five years. Taking this much larger annual write-off lowered capital below regulatory minimums at many institutions that had acquired struggling thrifts. As a result, numerous thrifts suddenly found themselves teetering on the brink of insolvency and many failed. Next came the  which proved costly for the financial and real estate development communities in North America. While several banks failed in the United States, the larger, diversified banks of Canada did not fail, but suffered through drastic reductions in credit and significant losses in loan portfolios. Meanwhile, the failure of global developers and one of the largest bankruptcies in the What’s the Next Crisis?covid-19

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PA Bankers Association » Quarters 1 & 2, 2020 25ABOUT THE AUTHOR:  United States, proved to be a case study for the riskiness of the industry and the degree to which the financial community once again failed to maintain sound underwriting. Shortly after came the (alsoknownasthe,theandthe), which was a stock market bubblecausedbyexcessive speculationinInternet-related companies in the late 1990s, a period of massive growth in the use and adoption of the Internet. Between 1995 and its peak in March 2000, the Nasdaq Composite stock market indexrose400 percent only to fall 78 percent from its peak by October 2002, giving up all its gains during the bubble. In the middle of the dot-com bubble, was . Need I say any more about this event? And .So then, the obvious question that came from the audience was, next?When pressed for an answer, his response was a That seemed to make sense at the We may also find that the things we learn during a crisis might change the way we do things in the future. For instance, I recently spent an entire week doing strategic planning interviews for a client using Microsoft Teams. Guess what, it worked great. In the future we might choose to do all interviews this way. In addition, while I have in the past used my iPhone to deposit a check, I’m wondering why I don’t do this all the time. I’m also not using cash like I used to.As financial institutions, we have a significant obligation to  The decisions we One other item. Right after 9/11, I had the opportunity to speak with the great writer Doris Kearns Goodwin. I believe she had just finished her book about Abraham Lincoln. I asked her if this was possibly the worst time in history. She had an interesting response. She said, “It only feels that way because we are in the middle of living through it.” She went on to say, “Imagine how the world felt in the 1930s as Hitler began to dominate Europe. Today we have the benefit of knowing the ending - that Hitler failed, the war ended, and life moved on. Someday, we’ll look at 9/11 the same way.” time, and certainly in the years that followed, as we’ve dealt with and observed the likes of Target, Sony Pictures, TJ Max and Wawa to name a few. In fact, there have likely been over 300 major breaches in the past 10 years.“PandemicWell, , but given history, I’d bet something is going to happen within, or around the next 10 years. What’s it going to be? Your guess is as good as mine. As  stated in a recent article, “Before a crisis strikes, business owners should think about how a disaster would impact employees, customers, business partners, the general public and their companies. A crisis can strike any company, anytime and anywhere. Advanced planning is the key to survival.”• Have a plan;• Identify a contact or spokesperson;• Be honest and open;• Keep employees informed;• Communicate with customers and business partners;• Update early and often; and• Don’t forget social media.

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26 » PA Bankers Association pabankers.comhe global pandemic has struck terror into the hearts of nearly everyone. Business leaders and board members are reeling from the rapid impact on their organizations, across public companies, small businesses, nonprofit organizations and more. Everyone has been affected.One of the less discussed impacts, which is shaking boardrooms and executive suites, is the issue of leadership succession. Deciding who leads is a board’s most critical responsibility. While proactive succession planning has long been a best practice, too many institutions still do not emphasize leadership succession seriously enough or review their plans often enough. And now, with the scourge of COVID-19 upon us, organizations and boards are quickly taking a long, hard look at the quality and quantity of their succession plans.One only needs to review the headlines to know that the issue of succession has reared its head again due to Covid-19. British Prime Minister Boris Johnson is infected. The CEOs of Altria, British Telecom and Madison Square Garden have all confirmed their infections. Jeffries & Co. CFO Peg Broadbent sadly died from his Coronavirus infection. Even before COVID-19, consider that only in recent days did JP Morgan CEO Jamie Dimon return to work from a month-long absence, after emergency surgery for a major heart condition. Succession is always a serious matter, and never more so than today, when a random and unseen enemy could impact anyone at any time.What is a board or incumbent leader to do, particularly in more entrepreneurial organizations without a deep bench of talent? Here are a few key strategies: Designate an emergency successor immediately. There should always be someone appointed to keep the train on the tracks in times of crisis. This also allows those in control (owners or directors) a bit of time to formulate a long-term leadership strategy. Review succession plans for all C-Suite and Key Executive roles (CEO, CFO, COO, etc.) with regular frequency. Regular means no less than annually on a formal basis, and more frequently if a planned orderly transition—such as a CEO retirement—is coming in the not-too-distant future. Take a good look at existing talent development plans across your organization, especially those 2-3 levels below the top. What is being done to develop, coach, mentor, and strengthen the skills and leadership competencies of high potential talent within the institution? These employees are your most valuable workers, and the ones with the most career options. Are you truly taking care of their needs while also serving the organization’s future? Centralize efforts at talent attraction, retention and development across the organization. Succession is a multi-faceted endeavor and needs some level of consistent oversight to make sure that key players are not falling through the cracks or being shortchanged. It happens all too often, and perceived greater career upside is the single biggest reason why a high potential often leaves. Do TSuccession in a COVID-19 World covid-19

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PA Bankers Association » Quarters 1 & 2, 2020 27We are #PABankersProud of the essential services you provide each and every day. Thank you.you have a strategic HR leader to assist with these efforts? Lastly, pay personal attention to those up-and-comers. If you’re a leader, whether the CEO, General Manager, Owner or C-Suite Executive, it’s your personal involvement with high potentials that makes them inclined to stick around. Let your rising stars know that they have a bright future, and that you have plans for them. Communicating regularly does more than almost anything to keep them in the fold. Then challenge them with special projects, new assignments, and out-of-the-box opportunities, to test them and to help them grow. Two-thirds of our current CEO succession projects arose from unplanned openings at the top—and this was before COVID-19’s full onset. We see such leadership transitions all the time in our business, and companies should work to minimize the impact of unforeseen leadership changes. Smooth transitions of power from within an organization are the least disruptive and are typically most effective when the rising talent has been well prepared. Unfortunately, unexpected things happen, and organizations need to be ready for leadership succession in good times and bad. Hopefully one of the lessons from this global pandemic will be that more institutions will strengthen their succession planning efforts, to better protect themselves in the future.ABOUT THE AUTHOR:  PA Bankers thanks

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28 » PA Bankers Association pabankers.comhe coronavirus pandemic has accelerated the need for more advanced online banking capabilities and mobile banking platforms. Prior to the outbreak, the switch to a more technology-focused industry was likely to occur more gradually because of changing demographics along with the broader customer acceptance of technology across many different businesses. For many community banks, technology investments to date were mainly defensive and included high cybersecurity expenditures. The increased use of technology, however, will be more dynamic and focused on improving customer experience to help attract new business and drive revenue. The Covid-19 crisis changed our way of life and business overnight. Disruptions caused by the coronavirus outbreak are likely to permanently change the community banking model due to both new-found customer acceptance of fintech-driven solutions and the growing economic impact of the Millennial Generation.  Virtual banking for virtually everything. The “new normal” for community banks will be comprehensive delivery platforms where nearly all products and services can be offered through mobile applications or other technology-driven solutions. Many community banks will find it practical to partner with large institutions to provide white label products for customers.  Fintech investments are not a one-time cost. Community banks will need to continually invest human resources and money in technology to meet shifting customer demands.  Customers come first. Banks that are unable to meet expectations will likely lose customers to other banks or fintech substitutes that can fulfill growing technological needs.Prior to the coronavirus outbreak, customer expectations were already changing as the technology-focused Millennial and Z Generations gained significant economic power and moved onto banks’ radar screens. In order to retain and gain new customers of these generations, banks needed to adapt their priorities to address the needs and expectations of this demographic, which differ from those of the typical bank customer of the last several decades. These expectations largely centered on, and continue to revolve around, different means to make everyday tasks more convenient. This breed of customer has a life that runs on technology, namely a smartphone, and has little-to-no interest in more traditional activities such as visiting physical branches or writing and cashing checks. To accommodate these customers, banks began to invest in technology and build out mobile banking platforms in an effort to create a more convenient banking experience. This shift in expectations started to point towards a “new normal” for the industry – the ability to replicate all banking activities on a mobile application or website. Now that the entire country is forced into quarantine, all businesses and individuals regardless of banking preference must “bank like Millennials and Gen Z”. As customers increase their use of these technological platforms during quarantine, demand for mobile products and services is likely to grow as customers become accustomed to the technology and see its benefits in creating a more convenient banking experience.  A current example of this trend is the Paycheck Protection Program (“PPP”). In order to help its small business clients, a bank must have the technology in place to receive and process applications and then communicate this information to the Small Business Administration. PPP is specific to the coronavirus situation but following the outbreak, many customers will TPNC Financial Institutions GroupThe New Normal: Embrace FinTech to Meet Customer Needs“Change is the law of life. And those who look only to the past or present are certain to miss the future.”- John Fitzgerald Kennedycovid-19

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PA Bankers Association » Quarters 1 & 2, 2020 29ABOUT THE AUTHOR: Brian is focused on M&A and capital raising with community banks. ABOUT THE AUTHOR: Rick is focused on bank strategy. Rick has over 35 years’ experience in the community banking space serving as an equity research analyst, M&A banker and federal examiner. prefer the convenience of the online process and opt for a bank where they can apply for loans virtually instead of having to travel to a branch. Another example is client interaction with customer service virtually instead of over the phone. Offering the ability to share a desktop screen with a customer and walk them through a solution virtually could be a large value-add for banks moving forward and become the expectation of a customer when interacting with its respective bank. The Covid-19 crisis caused financial institutions to quickly dust off business continuity plans and put them into action quickly. Adding to the disruption were heightened security concerns that fraudsters would take advantage of the crisis to launch an attack. An example was when a major Fintech provider experienced a ransomware attack and needed to take servers offline. PNC was able to step in and provide backup funds transfer processing for its clients.By establishing a simple framework in advance, institutions such as PNC can provide ACH and wire transfer contingency services. This framework consists of an account, the PINACLE portal set up with a larger institution, along with periodic file testing. By setting up Real Time Payments (RTP), your bank can have a payment backup for your bank’s own accounts payable process. RTP transaction limits have been increased to $100,000 per transaction. With greater demand for more advanced technology platforms, banks of all sizes should evaluate their technology. The “new normal” is approaching quickly, and banks will have to adopt the technology-centered reality. In order to keep pace with larger banking institutions and emerging fintech companies, banks will have to invest substantially in fintech, whether it be organically or through a partnership with another company. Options to keep pace with the technological needs of customers include (1) invest internally to build-out a mobile banking platform, which includes a mobile banking website and smartphone application; (2) partner with a fintech company whose products can be used to enhance the customer experience; (3) partner with a larger financial institution that can be used as a contingency service should a bank’s fintech partner experience failures (i.e. wire transfers) and also be a provider of certain capabilities they have already adopted (i.e. real time payments); (4) and increase scale through M&A in order to facilitate increased investment in fintech – higher earnings to fund the investment and a wider cost base to spread the investment over.Thismaterialisnotconsideredresearchandisnotaproductofanyresearchdepartment.PNCCapitalMarketsLLC(“PNCCM”)oranaliateofPNCCMmaytradethe securities or instruments that are the subject of or mentioned in this material for its own account for resale to clients and, as a result, may have an ownership interestinthesenancialinstruments.TheauthorisaxedincometraderorsalespersonforPNCFIGAdvisory,apartofPNCCM.Thismaterialisinformationalonlyandisnotintendedasanoerorasolicitationtobuyorsellanysecurityorinstrumentortoparticipateinanytradingstrategy.Thismaterialdoesnotprovideindividuallytailoredinvestmentadvice.Ithasbeenpreparedwithoutregardtotheindividualnancialcircumstancesandobjectivesofpersonswhoreceiveit.PNCCMbelievestheinformationcontainedinthismaterialtobereliableandaccurate,butneitherPNCCMnoranyaliateof PNCCM makes any guaranty or warranty as to its reliability or accuracy.PNCCMisnotprovidinginvestment,legal,tax,nancial,accountingorotheradvicetoyouoranyotherparty.PNCCMisnotactingasanadvisororduciaryinany respect in connection with providing this information, and no information or material contained herein is to be construed as either projections or predictions. Past performance is not indicative of future results. PNCCM is a member of FINRA and SIPC, and is a wholly owned subsidiary of The PNC Financial Services Group, Inc. (“PNC”).Investment banking and capital markets activities are conducted by PNC through its subsidiaries PNC Bank, National Association, PNCCM, Harris Williams LLC, SoleburyCapitalLLC,andSixpointPartnersLLC.Servicessuchaspublicnanceinvestmentbankingservices,securitiesunderwriting,andsecuritiessalesandtrading are provided by PNCCM.

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30 » PA Bankers Association pabankers.comgovernmentRELATIONSTO EVERYONE WHO PARTICIPATED IN THE 2019 PaBPAC CAMPAIGN! Together, we raised $441.761.98 – a new record. Through PaBPAC, our political advocacy strategy intensifies, as the industry can speak with one voice. Thank you for your unbelievable support in 2019!Thank You!

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Achieve competitive pricing and agreeable business terms in your bank’s vendor technology contract.Realize Savings. Be in Control. Save Time.Together we negotiate an outcome you can trust.Be the HERO of your contract negotiation when you SAVEyour bank moneyCONTACT AN ADVISOR:Jennifer WagnerDirector, Client Relationshipsjwagner@crnrstone.com602.770.4220

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32 » PA Bankers Association pabankers.comgovernmentRELATIONSast year marked incredible progress on the issue of cannabis banking in Congress. In a single year, the SAFE Banking Act, which specifies that proceeds from cannabis-related legitimate businesses would not be considered unlawful under federal money laundering rules or other laws and would direct regulators to issue guidance and exam procedures for banks that serve cannabis-related legitimate businesses, went from never having received a hearing to passing the U.S. House of Representatives on a broad bipartisan vote. Even the Chairman of the Senate Banking Committee, a conservative Republican from Idaho (one of only three states that still outlaws cannabis in any form) seemed bought into the need for a banking fix, holding a hearing on the issue in July and indicating his intention to move the bill before the end of the year. There were several reasons for the bill’s sudden momentum after five years of languishing in committee – the most direct was Democrats taking control of the House and therefore the Chairmanship of the Banking Committee and control over that committee’s agenda. But equally important was the focused advocacy by the financial services industry, as well as voices from the broader business and law enforcement communities, which stitched together broad bipartisan support for the bill by explaining that banking access would make cannabis businesses safer, bring more transparency and accountability to the industry and better protect communities. Those are goals that resonate on both sides of the aisle, and that propelled the bill through committee and floor votes with compelling bipartisan consensus.But the future of the SAFE Banking Act is far from certain. Despite his professed interest in moving the bill through his committee, on December 18, the Chairman of the Senate Banking Committee issued a memo outlining his concerns with the SAFE Banking Act and requesting public comment on five areas where he thought the bill should be amended. The memo caught many cannabis banking advocates off guard. Although Chairman Crapo had raised many of the concerns outlined in the memo before, the timing of the release, coupled with the potential introduction of potency standards into the banking safe harbor, suggested that the momentum behind the bill had waned, and the issue was no longer likely to advance out of the Senate Banking Committee this Congress. But that may not be the case. The issues raised in the memo were potency and public health standards, controls around legacy cash and money laundering, interstate commerce, hemp, and Operation Choke Point. Several of those concerns are areas that the American Bankers Association and others have been working with the committee to address – including tightening the language around verifying legacy cash and reporting suspicious activity to FinCEN. The American Bankers Association shares the committee’s dedication to preventing bad actors from laundering illegal proceeds into the financial system, and questions surrounding the appropriate application of banking regulations to the cannabis industry can be resolved through a combination of statutory protection for financial institutions and clear direction from FinCEN. There is no reason that these issues could not be expeditiously resolved to the satisfaction of all parties.In regard to interstate commerce, the bill as drafted would not change the status of cannabis at the federal level; it respects state sovereignty and does not facilitate cannabis sales in states that have chosen not to legalize it. By separating the act of selling cannabis from the treatment of the proceeds of the sale, the bill enables banks and other businesses to accept deposits and payments from a cannabis business operating in compliance with state law, without granting federal protection for interstate commerce of the drug itself. Hemp and Operation Choke Point likewise present surmountable challenges. The House-approved hemp language received broad bipartisan support and helps ensure that banks receive the clarity they need in order to fully serve the hemp industry – its proposed inclusion in the Senate version is likely to receive similar bipartisan support. The House version also included language to curb potential future Choke Point scenarios by codifying existing practice at the federal banking ABA Update on Cannabis Banking

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PA Bankers Association » Quarters 1 & 2, 2020 33ABOUT THE AUTHOR:   governmentRELATIONSagencies to ensure that regulators do not inappropriately limit access to vital financial services for specific customers or groups of customers. It is our hope that a similar agreement on language to address concerns about Operation Choke Point can be reached in the Senate.The primary challenges to the viability of the SAFE Banking Act come from the potential inclusion of non-banking related public policy issues – like THC potency, product disclosures and age restrictions, as a requirement for banks to do business with legally-operating state cannabis companies, and the likely delay that such a proposal will cause in plans to bring the bill before the committee. As a threshold matter, the SAFE Banking Act is not the appropriate vehicle to address non-banking related cannabis policy challenges. Any attempt to regulate the state cannabis industry through its banking relationships sets a dangerous precedent for using access to banking services as a method to control the behavior and activity of an unrelated industry. Moreover, the SAFE Banking Act enjoys broad bipartisan support in large part because it declines to dabble in broader questions of cannabis policy and instead maintains a narrow focus on getting state-sanctioned cannabis cash off the streets and into regulated financial institutions, where it will be safer and more transparent to regulators and law enforcement. It will be critical to convince the committee that the opportunity to address the public safety, tax collection and regulatory oversight challenges through a narrow banking fix should not be put on hold while Congress debates broader cannabis policy issues, and that quickly advancing this solution will reap real and immediate benefits for our local communities and their economies.The secondary, but vitally important concern is timing. Although small, there is still a window for action in the Senate Banking Committee after the Impeachment proceedings wrap up and before the 2020 election consumes all other political momentum. In order for the bill to make that window, we will need to reignite engagement from the diverse coalition of groups that helped generate the broad bipartisan support the bill received in the House. That means loud, persistent and consistent messaging about the importance of this measure from banks, credit unions, insurance companies, law enforcement groups, state officials, patients, consumers and businesses – especially the non-cannabis businesses that are being caught up in the current divide between state and federal law as a result of providing goods or services to cannabis businesses. We need to drive home for lawmakers that the SAFE Banking Act is not a cannabis legalization bill – it is a narrowly tailored banking bill designed to improve public safety and address the disruption to local economies caused by the federal prohibition on banking cannabis-related proceeds. The comment period for the Dec. 18 memo will close at the end of February. It is important that bankers reach out to their Senators, either through a formal comment to the committee or simply by picking up the phone or sending an email, to convey the urgency behind enacting the SAFE Banking Act. Twenty nineteen brought a cannabis banking solution into the realm of the possible, let’s make sure 2020 ushers it across the finish line.

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34 » PA Bankers Association pabankers.comgovernmentRELATIONStransfer of $21 million from the Banking Fund was made to the General Fund in 2018 under the authority granted in Act 44 of 2017. On Nov. 15, 2019, the Office of the Budget published a notice in the Pennsylvania Bulletin directing another transfer of $21 million from the Banking Fund to augment the operations of the Department of Conservation and Natural Resources and the Department of Environmental Protection pursuant to section 1726-K(g) of the Fiscal Code (72 P.S. § 1726-K) enacted by Act 20 of 2019. This transfer was later made on Jan. 28, 2020.PA Bankers believes that regulatory assessments paid by financial institutions should be used to support the operations of the Department of Banking and Securities and should not be used to support general government operations or to augment appropriations unrelated to the purposes for which the assessments were imposed. In addition, such transfers diminish the value of the state charter and threaten the dual banking system in Pennsylvania.Many of PA Bankers members are state-chartered and regulated by the PA Dept. of Banking and Securities (DoBS). They pay semi-annual assessments to the DoBS which are then paid into the Banking Fund to administer that department and, if needed, resolve the seizure or liquidation of a non-federally insured institution (e.g., a non-depository trust company) using the Fund’s Institution Resolution Restricted Account (IRRA). The money from this Fund is also used to pay for examination of state-chartered institutions.These assessments are regulatory fees paid in addition to state and local taxes paid by those of our members which are subject to bank shares, corporate net income, mutual thrift institution, sales and use, employment and real estate taxes.PA Bankers, along with the PA Association of Community Bankers and Crosstate Credit Union Association have formed a task force to make recommendations to protect the bank fund from future transfers. The Task Force has met regularly and is considering various legislative approaches and potential legal remedies to address this issue.AUpdates on PA Bankers’ State Legislative PrioritiesThank Y-Senator Scarnati offered the compromise amendment that contained the sales and use tax exclusion language. PA Bankers thanks the Senator and his staff for their efforts in obtaining this compromise with the PA Department of Revenue. Representative Sankey introduced the original bill in the House and made this a priority among his leadership. We appreciate their efforts. Banking Fund Transfers

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38 » PA Bankers Association pabankers.coma aheadlook  Please note: all dates and locations are subject to change.JULY PennStaterConferenceCenter●StateCollege,Pa.AUGUST     PA Bankers Training Room • Harrisburg, Pa. PA Bankers Training Room • Harrisburg, Pa.Omni Bedford Springs Resort • Bedford, Pa. PA Bankers Training Room • Harrisburg, Pa.As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to review the calendar, going forward, and communicate any calendar changes to the membership.

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PA Bankers Association » Quarters 1 & 2, 2020 39a aheada aheadlookSEPTEMBER      RLA Learning & Conference Center • Cranberry Twp., Pa. PA Bankers Training Room • Harrisburg, Pa. PA Bankers Training Room • Harrisburg, Pa.   PA Bankers Training Room • Harrisburg, Pa.index of ADVERTISERS ..................................................................................................................................  ...................................................................................................................................................................................... ............................................................................................................................................................................................21 .................................................................................................................s ................................................................................................................................................................. 35 .............................................................................................................................................................................  ...................................................................................................................................................................................................9 ................................................................................................................................................................4 .................................................................................................................................................................................................. 43 ...........................................................................................................................................................................................36 ...........................................................................................................................................................................36 ...............................................................................................................................................................................................................15 ................................................................................................................................................................................ ................................................................................................................................................................................ ..........................................................................................................................................................................11 ............................................................................................................................................................................50 ...............................................................................................................................................................................................................51As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to review the calendar, going forward, and communicate any calendar changes to the membership.

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40 » PA Bankers Association pabankers.coma aheadlookOCTOBERPA Bankers Training RoomHarrisburg, Pa. PA Bankers Training RoomHarrisburg, Pa. RLA Learning & Conference Center Cranberry Twp., Pa. PA Bankers Training RoomHarrisburg, Pa.PA Bankers Training Room Harrisburg, Pa.  Best Western Premier, The Central Hotel & Conference Center Harrisburg, Pa.As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to review the calendar, going forward, and communicate any calendar changes to the membership.

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PA Bankers Association » Quarters 1 & 2, 2020 41a aheadlookNOVEMBER      PA Bankers Training Room Harrisburg, Pa.Hershey Country Club Hershey, Pa.. Best Western Premier, The Central Hotel & Conference Center Harrisburg, Pa.Hershey Lodge & Convention Center Hershey, Pa.The Hotel Hershey Hershey, Pa..As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to review the calendar, going forward, and communicate any calendar changes to the membership.

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42 » PA Bankers Association pabankers.comvendorARTICLESfter participating in numerous contract negotiations to recapture thousands of dollars in undue spending by financial institutions across the country, the team at Cornerstone Advisors was curious to determine whether the root cause of the disparity could be identified. A survey was conducted in 2019 and found that, when it comes to negotiating technology contracts with their vendors, 75 percent of executives in the industry do so without sound knowledge of fair market pricing. Furthermore, only half of those polled actively obtain competitive bids when shopping current market pricing. In other words, a lot of blind negotiating is happening in the industry!With all but the biggest organizations relying on vendors to provide an increasingly complex web of technology solutions for their customers, financial institutions are not only faced with the continuum of contract renewals, but also, they must provide a quality product that falls within their budgetary constraints and aligns with their strategic initiatives. Data from the Cornerstone Performance Report shows that a large gap exists on the low and high side of technology spend among banks and this suggests there may be room to negotiate! Navigating the seas of contract negotiation in search of savings opportunities can be difficult when faced with an opaque market. True, efficiencies and economies of scale impact the price point of vendor-supplied technology, but vendors are not forthcoming with their market pricing information and this leaves the financial institution to make an ill-informed decision about what, if anything, they stand to gain by renegotiating their vendor contract.When asked about how many vendor contracts they are faced with either renewing or renegotiating in a year, the Cornerstone survey revealed that, on average, 66 percent of executives manage between six and 21+ vendor contracts over a 12-month period.With a fair number of contracts up for review each year, it is no wonder so many financial institutions opt to go the auto-renewal route. And while there are isolated instances where this is advisable, in most cases it is in the best interest of the bank to perform due diligence and be mindful of what it stands to gain by foregoing the automatic renewal of its vendor technology contract.When a financial institution examines the common practices a vendor employs to push the auto-renewal, it will discover annual price increases as inflation protection, non-negotiated mid-term add-ons that roll into the auto-renewal and the presence of poorly defined deconversion fees, annual price increases and undefined performance goals in the terms and conditions of the contract.Should the financial institution opt to renegotiate one or more of their vendor technology contracts on their own, Cornerstone advises against two strategies that simply don’t work: Tire kicking and haggling down the vendor. The first strategy finds executives seeking out competitive bids from other vendors and mistakenly believing they are receiving good intelligence. However, a true competitive bidding process includes RFPs, product demonstrations, site visits, etc. In the second strategy the executive contacts their vendor as their contract is winding down and requests a discount on the current rate. After a brief back-and-forth, the ANavigating the Seas of Contract Negotiationcontinued on page 45

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44 » PA Bankers Association pabankers.comvendorARTICLESFATE HAS EARNED ITS REPUTATIONTwenty nineteen may best be remembered as the year when things that weren’t supposed to happen, happened anyway. The world’s major economies weren’t supposed to have spiraled downwards, but they did. Bond yields were not supposed to have fallen, but that’s what happens when growth decelerates. The Fed was not supposed to have reversed monetary policy and cut rates, but that happened, too. Three times. The presence of these conditions would be less significant were it not for the fact that most community banks had been readying their balance sheets for rising interest rates ever since the end of the Great Recession almost eleven years ago.And who could blame them? Since the beginning of the current growth cycle in mid-2009, regulatory authorities of all ilk have been loudly and repeatedly sounding the alarm of higher interest rates couched in their concern that this inexorable fate would harm earnings and impair capital. Risk, though, is a tricky thing. Its genesis does not typically spring from what is expected; rather, it comes from the unexpected things that sneak up on us.As a result, most community banks are very well prepared for rising rates, a condition that doesn’t exist, but less well prepared for low and falling rates; circa 2019. Preparing a bank’s risk profile for only one environmental condition is the perfect strategy to employ as long as one’s prescience is also perfect. But, managing interest rate risk and/or an investment portfolio should not be about outguessing the market. Nor should it be about trying to get ahead of the Fed or making bets based upon economic forecasts that are less reliable than astrological ones. What if a bank could make itself indifferent to interest rates? What if earnings projections could be made to be consistent across a wide spectrum of interest rate backgrounds? What if risk managers prepared their balance sheets for more than one outcome?Accomplishing these ideals sounds great as a concept, but in practice, very few institutions ever reach the promised land of interest rate indifference. One reason for this may just be the nature of human nature. Most people tend to think their beliefs and perceptions about the universe, including interest rates, are the correct ones. If they didn’t believe this, they would have different beliefs. Self-belief is a good thing, but so is self-awareness; managing risk for multiple outcomes requires at least a tacit admission that one’s view of the future might be wrong. Such an epiphany can suggest behavior that may seem to go against the grain.THE BOY WHO CRIED “BEAR!”In 2009, the winter edition of the FDIC publication Supervisory Insights contained a piece entitled “Nowhere to Go but Up: Managing Interest Rate Risk in a Low-Rate Environment.” It was filled with cautionary encouragement for banks to make preparations for higher market rates; not at all unreasonable given that short-term rates were barely hovering above zero. But also back then, Ten-Year Treasuries were yielding close to 4 percent and the nominal yield of the Bond Buyer 20 Year G.O. Muni Index was around 4.25 percent. Needless to say, those risk managers who were only managing for a single outcome, the one defined by higher rates, avoided such things. The “smart” money stayed short because that’s what smart money does when Don’t Hitch Your Strategy to a Rate Forecast

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PA Bankers Association » Quarters 1 & 2, 2020 45it “knows” rates have nowhere to go but up. As a result, many “smart” portfolio managers missed some big investment opportunities because their strategy was too invested in a perception that allowed no room for any world that didn’t involve higher and rising interest rates. A world that is still worlds away.WHAT IF YOU DIDN’T HAVE TO BE RIGHT?What about risk managers who operate without an overriding market bias? How do managers manage without an emotional investment in a rate forecast? They do it by allowing for the possibility of multiple outcomes, even some unlikely ones. Those portfolio managers who invested in twenty-year municipal bonds back in 2009 didn’t do it because they “knew” rates were going to fall, which they did; they did it because they didn’t know what rates were going to do. They loaded up on high cash-flow instruments at the same time and for the same reason: they didn’t know where rates ABOUT THE AUTHOR: joined in 1986 and is an associate partner within the firm’s Financial Strategies Group. He helps community financial institutions develop and implement investment and interest rate risk management strategies. Before joining The Baker Group, he worked at two broker/dealer banks in Oklahoma City and was also an assistant national bank examiner. A graduate of Oklahoma State University, he holds Bachelor of Science degrees in finance and economics. Contact: 800-937-2257, lester@GoBaker.com.were headed but they wanted to be ready for anything. And they have been. Their long-term, high-yielding bonds have provided much needed income during times when yields trended downward, and their reservoir of short-term cash flow has been a repricing boon for those times when rates trended higher or back-up liquidity was needed. Successful risk managers don’t have to be smart enough to see into the future, they just have to be smart enough to realize they can’t.continued from page 42Navigating the Seas of Contract NegotiationABOUT THE AUTHORS: Ryan Rackley brings an in-depth knowledge in all aspects of banking technology and payments to his work at Cornerstone Advisors, where he focuses his efforts and expertise on contract negotiation, payments, technology, telecom, and ATM/ITM projects. vendor ‘concedes’ to a small discount and management claims success. But a true and fair price is one that is competitive relative to the market, not the individual contract. While the financial institution may encounter several obstacles when it comes time to renegotiate their vendor contract, Cornerstone Advisors believes there are proactive ways to manage the process to generate better outcomes. Here are a select few: create a roadmap to track vendor contracts and prioritize those with the biggest bottom-line impact; use auto-renewals strategically to help align timing of a contract’s end and a strategic initiative; do not be afraid to halt an auto-renewal, as this gives the financial institution time to review terms. Any time a large vendor contract comes up for renewal an opportunity for the financial institution to seek better pricing and terms is presented. Working towards a win-win agreement will ensure the bank is getting the most out of their technology at a price point commensurate with what others are getting in the market.

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46 » PA Bankers Association pabankers.comey employees demand exceptional benefits—including excellent healthcare coverage. Yet for the last two decades, employer health insurance costs have been rising at a rate that far exceeds increases in both the rate of general inflation as well as workers’ earnings.1 How can you manage these inevitable increases in healthcare costs while still providing competitive benefits for your executives?OFFSETTING HEALTHCARE AND OTHER BENEFIT EXPENSESIn addition to considering the latest cost-sharing trends, prudent bankers are also managing rising healthcare insurance expenses by reallocating bank assets into bank-owned life insurance (BOLI). A reallocation of a small portion of your bank’s assets into BOLI can offset some or all of the annual increase in the cost of providing employee health insurance over the next twenty-five years (see chart below).MORE THAN 65% OF U.S. COMMERCIAL AND SAVINGS BANKS NOW USE BOLI TO RECOVER EMPLOYEE BENEFIT COSTS, ACCORDING TO THE FDIC.2Via the Interagency Statement on the Purchase and Risk Management of Bank Owned Life Insurance (often referred to as FIL-127-2004), the various regulatory agencies have confirmed that financial institutions can use BOLI to finance not only employee medical benefits but also group life and other employee benefit plan expenses, including long-term care and supplemental (nonqualified) benefits (e.g., supplemental disability coverage, executive deferred compensation and SERP benefits.)BOLI IS AN EXCELLENT TOOL FOR OFFSETTING RISING BENEFIT COSTS BECAUSE:• BOLI durations are generally consistent with the long-term nature of benefit plan liabilities.• BOLI typically provides a higher after-tax yield than most bank-eligible investments.AS STATED IN THE FIL-127-2004:“Life insurance holdings can serve a number of appropriate business purposes. Because the cash flows from a BOLI policy are generally income tax-free if the institution holds the policy for its full term, BOLI can provide attractive tax-equivalent yields to help offset the rapidly rising cost of providing employee benefits.”vendorARTICLESManaging Rising Healthcare Costs with Bank-Owned Life Insurance (BOLI)Note: Assumes a bank with assets of $350 million with 75 employees and an annual healthcare expense of $820,000. Healthcare is assumed to increase by 6% annually and assumes a 28% bank tax rate. Assumes a $5 million BOLI purchase with two highly-rated carriers and 10 insureds (5 males and 5 females) with an average age of 47. No deaths are projected to occur in the first 25 years. Assumes an opportunity cost on the BOLI investment of 2% pretax (1.44% after tax). The above example is a hypothetical illustration to be used strictly as an educational tool. It is not intended as offering specific investment advice or recommendations. 1A recent study by the Kaiser Family Foundation, a nonprofit research group that tracks employer-sponsored health insurance on a yearly basis, shows that the average annual premium for family coverage through an employer reached $20,576 in 2019, an increase of 5% over the previous year.2Per FDIC Call Report Data as of 9/30/2019.

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PA Bankers Association » Quarters 1 & 2, 2020 47HOW BOLI WORKS: LIFE INSURANCE THAT PROVIDES INCOME WITH TAX ADVANTAGESThe bank purchases individual life insurance policies on a group of employees. The eligible group is usually an officer group (e.g., assistant vice president and above), but may be based on salary or other parameters. The bank pays the premium(s), owns the cash value of every policy, and is the beneficiary of the insurance. The bank typically endorses a portion of the death proceeds to the insured employee’s beneficiary through a split dollar arrangement, at least while the employee works for the bank. This coverage is in addition to the life insurance being provided through the group term plan and serves as an additional employee benefit at no cost to the bank. The annual cash value growth and future death benefits are nontaxable if policies are held until death, which provides an attractive tax advantage.ACCOUNTING FOR BOLI: NO INITIAL CHANGE TO CAPITAL, BUT INCOME CONTRIBUTES TO NET WORTHThe bank typically sells Treasuries or other securities—or uses funds generated through other cash flow—to purchase BOLI. Since both the source of these funds and BOLI represent bank assets, there is no initial net change to total assets or capital. The bank earns BOLI income from two sources: • Growth in cash surrender value – cash surrender value determines the asset value for accounting purposes for the bank’s BOLI policy. This value increases by the amount of interest credited by the carrier and decreases by the internal cost of insurance charges.• Net death benefit – the other source of income from BOLI is the net insurance proceeds paid to the bank when a covered employee or former employee dies. The net insurance proceeds above the cash value asset are booked as additional gains once realized.Because of the inherent tax advantages, BOLI can earn a higher after-tax rate of return than many bank-eligible alternative investments. By working with quality carriers (those with S&P ratings of A+ and higher) that provide flexible plan features and attractive rates of return, BOLI can drive an increase in earnings per share. The annual increase in cash value and the net insurance above cash value at death are both recorded as gains on a bank’s income statement. By combining BOLI with effective cost-containment/sharing measures, banks can wield a powerful weapon for combating the ever-rising cost of employee healthcare coverage as well as other employee benefits.Utilizing the combined expertise of David Shoemaker CPA/PFS, CFP® and Booker Moore, Pennsylvania bankers may put themselves in greater control of future benefit costs.ABOUT THE AUTHORS: is a consultant of which has assisted over 1,250 banks in the design of nonqualified benefit plans, performance-based compensation and BOLI. To learn more, contact David Shoemaker at (901) 754-4924 or david.shoemaker@nfp.com. is a leading expert in the field of employee benefits plan design. His unique solutions to balancing the interests of employers and employees in employee benefits have helped clients create competitive and cost-effective plans while, at the same time, addressing the health, welfare and retirement needs of employees and their families. To learn more, contact Booker Moore at (814) 317-4187 or bmoore@lrwebber.com. NFP Executive Benefits is the Select Vendor for Bank Owned Life Insurance services of the PA Bankers Services Corporation (PBASC), a wholly owned subsidiary of the Pennsylvania Bankers Association. L.R. Webber Associates, Inc. is the Select Vendor of PBASC for Employee Benefit and Retirement Plan Services and works with PBASC to provide Pennsylvania banks with the Bank Health Care Consortium of PA, a health care funding program designed to give bankers the ability to closely control their benefit cost while providing flexibility.3Death proceeds on corporate-owned life insurance will be received tax-free to the extent they comply with Internal Revenue Code Section 101(j) as well as other applicable state and federal laws.

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48 » PA Bankers Association pabankers.comPA Bankers Services Corporation Select Vendors Provide PA Bankers Members Savings, Service and Quality*As of 4/12/19ABA INSURANCE SERVICESBond, D&O, Cyber Insurance, and Employment Practices LiabilityPatricia Williams, (216) 220-1280pwilliams@abais.comACCUME PARTNERSOutsourced Internal Auditing and Risk Management ServicesNicole Lloyd, (717) 903-3142nlloyd@accumepartners.comAPPI ENERGYElectricity and Natural Gas Procurement Services, Utilities Management PlatformJane Seagraves Sidebottom(800) 520-6685jseagraves@appienergy.comANDERSON GROUPIntegrated Marketing and Communications and Business IntelligenceRay Melcher, (610) 678-1506rmelcher@thinkanderson.comAPPROVAL PAYMENT SOLUTIONS, INC.Merchant Processing, Search Engine Optimization, Website Design and Social Media ManagementDanielle Lausch, (717) 892-8988dlausch@apsolutions.netTHE BAKER GROUP Asset/Liability Management Software and ServicesCharles Amis, (405) 415-7231Charlie@gobaker.com34 banks received credits in surplus of over $8.9 million in 2018 with an average net funding increase in single digits.Wayne Whipple, (717) 255-6925wwhipple@pabanker.com BANK HEALTH CARE CONSORTIUM OF PABITSManaged Service Provider for Voice and Data CommunicationChristian Ericson, (973) 474-1828christian.ericson@bitsnetwork.comCOMMONWEALTH CHARITABLEMANAGEMENTCristine Clayton, (570) 278-3800cclayton@commonwealthcharitable.orgCOMPLIANCE ALLIANCE Quality Compliance Services That Complement and Assist Internal Compliance PersonnelWayne Whipple, (717) 255-6925wwhipple@pabanker.comCORNERSTONE ADVISORSCore, Debit EFT, Card Program, Loan Origination, Bill Pay, Mobile Banking & ATM Contract NegotiationJennifer Wagner, (480) 425-5204jwagner@crnrstone.comCRA PARTNERSReceive High-Yielding CRA CreditTerry B. Rooker, (901) 529-4781terry.rooker@SHCPFoundation.org Provide PA Bankers Members 

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PA Bankers Association » Quarters 1 & 2, 2020 49* Vendor selections and recommendations are made in accordance with PA Bankers Services Corporation’s stated mission. It is believed that the promoted products and services merit strong consideration by PA Bankers member banks. PA Bankers Services Corporation due diligence and selection criteria should not be construed as a guarantee, as the ultimate appropriateness may vary from bank to bank. In addition, member banks are encouraged to conduct their own due diligence reviews of recommended vendors. Remuneration received by PA Bankers Services Corporation is utilized in-part to support the PA Bankers Association through contracted agreements, corporate sponsorships and overhead coverage. This financial support expands resources and strengthens the services and programs of the PA Bankers Association.ONE POINTOutsourced Internal Purchasing, OfficeSupplies, Inventory Control and IPAddress Marketing/SalesPat McMahon, (570) 207-5107pmcmahon@opoffice.com PWC:FONT: Handwriting-draft_free versionCampbell:FONT: Century Gothic _ RegularIcon-MarbleBUILDING CONFIDENCE...:FONT: Handwriting-draft_free versionPMS485Black 80%CMYK CMYK CMYK CMYKCMYK CMYK CMYK CMYKIcon-BridgeB-90% B-ScreenBlack 80%PWCAMPBELLPlanning, Design Coordination,and Construction ManagementErin Campbell, (800) 253-7430erin.campbell@pwcampbell.com INVESTORS TITLE INSURANCE COMPANYMulti-Bank Owned Title Insurance ProgramKaren Brittain Barnett, (419) 577-5900kbarnett@invtitle.comTHE KAFAFIAN GROUPPerformance MeasurementRobert E. Kafafian(973) 299-0300 x106rkafafian@kafafiangroup.comL.R. WEBBERMultiple Medical, Drug, Dental & Vision Options and EB SolutionsBrad Webber, (814) 695-8066bwebber@lrwebber.com*As of 4/12/19NCONTRACTSMark Schwartz, (615) 210-3775, mark.schwartz@ncontracts.comKEYSTATE CAPTIVE MANAGEMENTBrian AmendManaging Director & VP Sales, Eastern Region(302) 425-5158bamend@key-state.comGRADIENT CYBERAutomated CAT Tool & Digital Forensic Investigation, Network Consensus CybersecurityAllen Mitchell, (215) 485-7315 armitchell@gradientcyber.comDEALERTRACK COLLATERAL MANAGEMENT SERVICES, INC.Electronic Lien and Title ProgramWayne Whipple, (717) 255-6925wwhipple@pabanker.comDELUXE CORPORATIONCheck ProgramTodd Wroblewski, (724) 625-5599todd.wroblewski@deluxe.comNFP EXECUTIVE BENEFITSBOLI, Executive Compensation and Long-Term Care David Shoemaker, CPA/PFS, CFP® (901) 754-4924david.shoemaker@nfp.comTHE FULCRUM GROUP INTERNATIONAL, INC. Reviewing, Re-negotiating and Bidding Check Printing RelationshipTed Amon, (770) 736-5787 ted@thefulcrumgroupintl.comGLOBALVISION SYSTEMS, INC.Anti-Money LaunderingCatherine Lew(818) 998-7851 x128clew@gv-systems.com

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PA Bankers Association 50 Volume 21.1 | Quarter 1SOMEONE IS MAKING MONEY ON TITLE INSURANCE. IT SHOULD BE YOU.It’s like owning your own title insurance company, only better. PA Bankers Services Corporation – along with Investors Title Insurance Company – will help you become part of a multi-bank owned title insurance agency and share in the profits every time title insurance is written. To learn more, simply give us a call at (717) 255-6925 and we’ll show you how your bank can earn non-interest income from title insurance.

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A UNIQUE HEALTH CARE ALTERNATIVEfor Pennsylvania-Based Financial Institutions and Aliate Members of the PA Bankers AssociationWHAT IS THE BANK HEALTH CARE CONSORTIUM OF PA (BHCCPA)?The BHCCPA is a unique health care alternative for Pennsylvania-based nancial institutions and Aliate Members of the PA Bankers Association. Since its launch in July 2007, the PA Bankers Services Corporation, L.R. Webber and The Benecon Group. have collaborated to provide every consortium member with leverage and benets of economies of scale, plan design exibility and signicant cost control strategies to their group health plan.PA BANKERS SERVICES CORPORATIONWayne WhippleVice President, Business Development(717) 255-6925wwhipple@pabanker.comLEARN MORE ABOUT THE PROGRAML.R. WEBBERBrad WebberMarketing Manager(814) 317-4186bwebber@lrwebber.comTHE BENECON GROUPClaudia BurchsteadSenior Sales Director(717) 723-4624cburchstead@benecon.com

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PRSRT STDUS POSTAGEPAIDHARRISBURG, PAPERMIT No. 11693897 North Front StreetHarrisburg, PA 17110A break from the traditional. Unfettered access to a team of attorneys with deep expertise and extreme responsiveness. Learn how we protect what you’ve built and how we've revolutionized the legal services experience.pillaraught.com | 717.308.9910 | 4201 E. Park Circle Harrisburg, PA 17111

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PaBPAC Annual Report 2019 » 12019 PaBPAC ANNUAL REPORTPABPAC ANNUAL REPORTPARTICIPATING FINANCIAL ORGANIZATIONS, 

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2019 PaBPAC ANNUAL REPORTDear PA Bankers members: In 2019, the association significantly increased its focus on advocacy by incorporating it into engagement and education across the full association enterprise. Our message is simple: legislative, grassroots and political advocacy are instrumental to your success and the success of our industry. It is simple to engage and there are many ways to do so: write your Congressman a letter, tweet at your state Senator, campaign for a pro-banking candidate or contribute to . All of these are effective ways to make your voice heard.I am proud to announce that the  resulted in a total of $441,761.98 contributed by officers, directors and employees from 93 member institutions. This is the highest amount ever raised for  and exceed our goal by nearly 4 percent. Because of your efforts,  is stronger than ever. We support bi-partisan candidates who understand and appreciate the concerns and ideals most important to our industry.  has played an important role in supporting legislators and candidates who believe in a competitive and fair banking climate in Pennsylvania. Elected officials are important partners in our ability to support economic development within the community.The  is pleased to list those banks whose directors, officers and employees contributed to the 2019 campaign. For your information, a list of political campaigns who received  support in 2019 is also included in this publication.Thank you again for your ongoing support. If your bank did not participate in the 2019 campaign, we hope you will consider joining our efforts in 2020. If you have any questions about  or would like more information on how your bank can participate, please do not hesitate to contact Erin Kanter, (717) 255-6910 or ekanter@pabankers.com. Sincerely,Dennis E. Doll 2019-2020 PaBPAC Chairman President and Chief Executive Officer Reliance Bank Altoona, Pa.DENNIS E. DOLL2019-2020 PaBPAC ChairmanPresident and Chief Executive OfficerReliance BankAltoona, Pa.

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PaBPAC Annual Report 2019 » 32019 PaBPAC ANNUAL REPORT2019 Contributing Financial OrganizationsThe following financial organizations contributed to the 2019 campaign: 1ST SUMMIT BANKACNB BankAmeriServ Financial BankApollo Trust CompanyAsian BankBank of AmericaBank of Bird-in-HandBB&T CorporationBenefits Management GroupC&NCentric BankCitizens Savings BankCNB BankCommunity Bank, N.A.Covenant BankDNB FirstDollar Bank, A Federal Savings BankEphrata National BankERIEBANK, A Division of CNB BankF&M TrustF.N.B. CorporationFidelity Deposit and Discount BankFirst Citizens Community BankFirst Commonwealth Financial CorporationFirst Keystone Community BankFirst National Bank and Trust CompanyFirst Resource BankFirstrust BankFNCB BankFulton Financial CorporationHometown Bank of PAHuntington Bancshares IncorporatedKish BankM&T Bank CorporationMarion Center BankMars BankMauch Chunk Trust CompanyMeridian BankMifflinburg Bank and Trust CompanyNew Tripoli BankNexTier Bank, National AssociationNorthwest BankNorwood FinancialOrrstown BankPA Bankers Retired Bankers ProgramPenn Community BankPennsylvania Bankers AssociationPeoples Security Bank and Trust CompanyPNC Bank, National AssociationPS BankQNB BankQuaint Oak BankReliance BankRiverview BankS&T BankSomerset Trust CompanySusquehanna Community BankThe Bank of LandisburgThe Bryn Mawr Trust CompanyThe Dime BankThe Gratz BankThe Honesdale National BankThe Juniata Valley BankThe Muncy Bank and Trust CompanyThe Neffs National BankThe Northumberland National BankThe Provident BankThe Victory BankTriState Capital BankUnited Community Financial Corp.Univest Financial CorporationVIST BankWayne BankWesBanco Bank, Inc.Woodlands BankYork Traditions Bank

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4 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTThank you to everyone who took the challenge and participated in Denny’s Dare (Diamond). DIAMOND Tim J. AbellWilliam S. AicheleJanet L. BalentineGary C. BeilmanJames R. BieryJoseph B. Bower, Jr.Todd D. BriceJ. Duncan Campbell IIIPeter D. CollinsKelley A. CwiklinskiWilliam L. DancySpyros A. DeglerisJames V. DioniseDennis E. DollGregory A. DuffeyG. Warren ElliottSteven G. FisherClark S. FrameDavid W. FreemanEdward A. FriedmanDonald A. FryLynda L. GlassRobert J. GlunkRichard J. GreenRobert P. HagerGregory T. HayesWilliam P. HayesTimothy G. HenryPaul G. HowesWilliam S. LakeJames J. LaksoElmer C. LasloJoseph W. MajorRobert S. McMinnThomas Minichiello IIIDonald H. MoweryGlenn E. MoyerK. Leon MoyerCarol A. Myers, CPAGerald A. NauKristin O’DonnellThomas M. PetroThomas R. Quinn, Jr.Mark A. RitterWilliam J. RollClem C. Rosenberger IIIBlair T. RushLouise A. Rynd, Esq.Richard A. SarfertJ. Bradley ScovillRonald J. SeiffertPaul H. SilvisJohn C. SpierJ. Donald Steele, Jr.Floyd E. StonerSteven D. Thompson, CPAFrances V. VaughnJeane M. VidoniCynthia L. WallettDale A. WestwoodWesley M. WeymersGeorge Woskob

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PaBPAC Annual Report 2019 » 52019 PaBPAC ANNUAL REPORT2019 PaBPAC Individual ContributorsThe following individuals contributed to the 2019 PaBPAC fundraising campaign. Contributors are listed below according to the Name Badge Medallion Program. BRONZE contributors gave $1-249; SILVER contributors gave $250-499; GOLD contributors gave $500-799; PLATINUM contributors gave $800-999; DIAMOND gave $1,000+.PLATINUMJack W. Babich, SPHRRandall E. BlackMark J. CvrkelPatricia A. HusicMichael S. KeimScott L. KelleyJoseph R. KondiskoRonald W. OwenFrank G. PellegrinoRobert M. RabbJeffrey M. SchweitzerMarlin C. SherbineElaine A. WoodlandCharlotte A. ZuschlagGOLDJoseph W. AdamsGeorge AgerTimothy J. AllisonChristopher J. AnnasTimothy J. AppleJohn AugustineMarcie A. BarberMatthew B. BatesDennis F. BeardsleeTodd S. BenningDaniel C. BerningerLuke M. BernsteinCraig W. BestGina M. BoorRobert A. BowellWillard J. BowenRobert L. Brant, Jr.Duane J. BrobstKenneth F. Brown, Jr.Martin R. BrownSteve D. ButzDouglas L. ByersRobert CasciatoChristopher T. CattieRaymond J. CeccottiGerard A. ChampiWilliam J. ClarkJames J. ClarkeDr. Daniel J. ColeRobert G. CoradiJeffry D. CramerBarbara W. DaviesMark DeBiasioJoseph E. Dell, Jr.David J. DemasPatrick J. DempseyAllan R. DennisonMichael B. DindaAndrew E. DiPiero, Jr., Esq.Joseph J. DisciulloJeremy A. DobbinJoshua P. DoddJohn W. DuerksenStan R. DunsmoreBrian B. DuttonCharles L. EchnozDonald E. Enders, Jr.Todd A. ErdleyPhilip E. FagueBrian S. FetterolfRobert J. Fignar, CFPDaniel J. FisherRonald R. FlahertyKenneth R. FleesonThomas H. FlowersMichael J. FoxBruce K. FreestonAnthony J. GabelloKenneth R. GantJeffrey S. GaymanJames F. GetzSteven D. GilmoreRichard L. GraverRay S. GreenbergRichard L. GreslickJeffrey GroffJeffrey GumTammy L. GunsallusRalph E. HardtSusan E. Hartley, Esq.Edward J. HollinHarold F. Hoose IIIDianne D. HowardMark A. HughesDavid R. HunsickerAnthony ImbesiAllan E. Jennings, Jr.Albert F. JinksKevin L. JohnsonCindy J. JoinerWilliam L. Jones IIIThomas J. Jordan IVJoanne JudgeCharles H. JurgensenLeanne D. KassabSamuel K. KauffmanJames G. KeislingMark K. KellerBobbi J. KilmerMichael J. KirkAaron M. KlingerDavid H. KoppenhaverPatricia D. LacyLeo F. LambertKevin M. LamontJohn T. LandesJ. Howard LangdonKevin W. LaudenslagerTerry L. LehmanTito LimaDenise Lindsay, CPAWilliam J. LocherThomas D. LongeneckerJames J. LottSeth MacklerJennifer L. MannRalph A. MatergiaJanice McCracken ErkesMichael J. McDonaldHolly McGloshenMichael W. McGrawBrian McHughPatti L. McLaughlinJames J. McQuadePaul M. MeagherAlbert J. Melfi, Jr.Gregory B. MenschAdam MetzRichard E. MeyersJoseph C. Michetti, Jr., Esq.Harold MiddlebergJoseph F. Mikolaitis, EsqBarry E. MillerRobert W. MontlerChristopher A. NardoPeter A. Nolan, Jr.Kevin B. NorrisBank PACEric PaulMichelle N. PaulnockDavid A. PechtAnn B. PersunRobert J. PhillipsDavid E. RavenBrian Richardson*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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6 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORT*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.David B. RivkindDavid S. RunkMegan D. Santana, EsqDaniel J. SantanielloAlletta SchadlerA. William Schenck IIIM. Theresa Schwartzer, SPHRWilliam C. SchweighoferNicholas N. ScottEric A. SegalEdward F. SeserkoJames L. Shilling, Jr.Leonard SimpsonAaron K. SingerKenneth H SlackTimothy W. SmithKristen SnyderMark S. SnyderJeffrey S. StaufferJeffrey A. StopkoChristopher L. StottRobert T. StrongJoseph J. SweeneyMarcele R. SwingleAnnette D. SzygielAndrew F. TauberJohn J. ThierSteven I. TresslerJ. Todd TroxellRobert F. WagnerJames WangWayne R. WhippleRobert C. WonderlingDonald P. WorthingtonJoel R. ZullingerSILVERDebra E. AdamsMark J. AdelsbergerMargarethe AderholdLewis W. Adkins, Jr.Joseph J. AikenTodd A. AlderferLarry D. AldersonEric L. AllemanDominic J. AprileNeil A. Aquino, Jr.Todd M. ArthurHarry G. Austin IIIStanley N. AyersLaura G. AzzalinaChristina L. BagroskyRoger H. BallouDouglas P. BartonMark G. BayerAlfred D. BeckMaureen H. BeilmanDominic BellviaDouglas H. BertMichael W. BickertonThomas J. BiskoPeter BochnovichDavid L. BodeDeirdre BonoraThomas E. Boop, Esq.Kathlene M. BowerRichard M. BowersoxWilliam R. BoyleBarbara E. BrobstDana E. BrownDiane R. BrownJohn D. BrownKathleen BrownKimberly A. BubbLarry E. BurgerJames F. BurkeJohn P. BurleinThomas A. ByrneBrian J. Cali, Esq.Robert M. CampanaWilliam T. Campbell, Jr.Susan CampfieldSteven M. CappellinoJohn F. CarmodyMichelle L. CarrasquilloElizabeth F. CarsonThomas P. CassidyChristina A. CassotisRon CastnerJoseph CastrogiovanniLisa M. CavageMichael W. CavageRonald L. CekovichDeborah J. Chadsey, Esq.Eric W. ConnerFrank A. ConteG. Henry CookThomas W. CookLewis J. CritelliJames A. CronauerJason CunninghamAnthony D. DaCostaJohn DavisWilliam W. Davis, Jr.Roger S. DeaconRobert A. DeAlmeidaTerra L. DeckerWilliam L. DeLucaShelley L. D’HaeneGayle DietrichRoger L. DirlamGregory M. DixonTed M. DomanStephen M. DorwartEugene J. DraganoskyMark D. Drenchko, CPA, CFERichard J. DrzewieckiMark A. DuffyD. Rodman EastburnMichael EddingerPatricia EllickFrank E. Elsner IIITimothy B. Fannin, CPAFrancis M. Ferriola, Jr.Charles T. FieldCord K. FischerJudd B. FitzeAndrew ForteCory R. FosbennerTamie FrancisPhilip FreemanGregory J. FrigolettoTamra T. GarberRobert P. Gardill IIB. Jeanne GenzlingerJill GeorgeRhonda L. GingeryRobert A. GoldsteinKylie L. GrahamShane A. GrahamLee R. GreenTeresa L. GregoryRobert GrimmGregory G. GulaTimothy M. HamptonJustin M. HartrumWilliam W. Harvey, Jr., CPAOlaf R. HasseLeanne W. HayesLorie M. Heckman, CRCMJames P. HeltDale R. HersheyMark R. HollarStephen A. HomzaDavid T. HornbergerDawnette HotalingCraig M. HummerMeg HungerfordTimothy M. HunterBrad HuyckSean C. Isgan, P.E.Michael JaegerPamela JohnsOscar JohnstonFrank W. Jones, Esq.Denise R. JoyceJames JulianoRobert E. KaneJeffrey J. KapsarMark A. KarenchakGeorge P. KarlheimDawn M. KearneyJeffrey Keiser, DDSBrian T. KellyMichael P. KellyRobert C. Kenney, Jr.John S. KiesendahlJoAnne C. KizerNicholas D. Klein, CRCMichael E. Kochenour

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PaBPAC Annual Report 2019 » 72019 PaBPAC ANNUAL REPORTMorton H. KolmanLisa M. KookerHeather J. KoptchakRichard J. KraulandNancy J. KrullaJohn E. KubinskyWilliam S. LanceMargaret H. LeimkuhlerHeidi LeonardFrancis J. LetoMary E. LiddleJoseph C. LiebWalter A. LitwinczukRichard H. LloydRichard S. Lochen, Jr.Mindy M. LoftusMark R. LongMark R. MaghirangScott A. MagnettiRobert J. MancusoGary A. ManleyJustin M. MannWilliam F. MarksAnthony B. MarkunasJacqueline M. MartellaJohn Q. MassieJohn W. McCallJackson K. McDonaldMary McDonaldE. Harry McGuirkWilliam F. McKnightMark McLaughlinJoAnn N. McMinnRex W. McQuaide, Esq.Julia W. McTavishJohn P. MeeganJames C. MillerTroy A. MillerThomas J. MorrisseyChristina L. MoyerAmy M. MuchlerKerri MuellerRobert C. MusserChad E. NeissGregory A. NoonElliot NorryPhyllis A. NyeStephanie A. OakesVincent G. O’BellGary OdenDavid R. OhmanMichael Ondesko, Jr.Peter OrtScott G. OrzehoskiTerry B. OsborneFrank J. Palermo, Jr.Natalye PaquinCarl L. PardoeMark PaupGary M. PeckMichelle A. PedersenThomas A. PeiferPatrick PerihJoel E. PetersonKenneth PhillipsRobert S. PierceMark PoliskiJohn M. PolliWilliam K. PooleJay PowerPolly A. PreviteSonia M. ProbstLinda L. ProcaccinoLouis QuattrocchiJoseph L. RagoJohn M. ReberGregory A. ReevesPatrick H. ReillyDaniel J. ReisteterJ. Eric RennerDavid Z. Richards, Jr.Robert E. RiggKevin D. RimmeyNo S. RingerAndrew S. Ripic IIIBetsy K. RobertsonCraig RodenbergerTerry RodgersMichael E. RollisonJohn D. Rooney IIIThomas L. Rudy, Jr.Robert J. RussoliEileen F. RyanRuth Anne Ryan-CatalanoKimberly RzompJoseph W. SchickMatthew SchultheisRobert H. SchultzDeborah E. Scott, CTFADiane K. SecorMichael SeighEdward J. Sheehan, Jr.Steven R. ShillingCheryl E. ShopeJohn R. ShowersHenry M. SkierMichael G. SmelkoJan M. SmithKendrick C. SmithGlenn W. SnokeMarcella A. SovernsJack F. SpallJohn N. StaufferSusan K. StemTodd J. StephensAlan J. StockFrank X. StraubGregory K. SudellNorman R. Sunday IIILindsey J. SwigartFlorence TangBrian J. TevlinBonnie M. TompkinsChristine J. TorettiMary Beth ToueyPhillip TredwayDavid L. Tressler, Sr.Thomas P. Tulaney, Sr.Michael L. Turner, Esq.Dennis R. UrfferAmy Van Blarcom-LackeyMichael ViscontoMark C. WagnerJohn C. WalcheskyMartha B. WalkerTodd D. WarrenTracy E. Watkins, SPHRJudith A. WeaverAlfred J. WeberSteven J. WeingartenKevin E. WeinhofferPaul W. WengerRobert E. Werner IIIMichael D. Wetzel, Jr.Suzanne M. WhiteEric S. WilliamsBradley WillowRobert L. WiseJoseph T. Wright, Jr.Charles A. WursterDiane M. Wylam, Esq.Donald F. YeagerRichard C. YeagerDavid J. ZimmerCharles H. ZimmermanMichael E. ZirolliBRONZEShannon AbbottElizabeth AbramsKatelyn AckleyDavid M. AcriJanine M. AdamsTrisstan AdamsGregory W. AdamsonRobert V. AddomsJeffery E. AeppliVicki AhmadianMichael A. Aiello, Jr.Amanda J. AipoalaniLawrence AlbertelliR. Edward AlbertsVanessa AlbrightJay B. AlexanderBrandy J. AllenDouglas G. AllenFrancine L. AllenStacey AllenKelli AllisonJennifer Amann*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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8 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTAnnalisa D. AmbriscoTracy AmbrosiusJill A. AmetranoJennifer K. AmighAmy K. AmmermanErin AmmermanMaria W. AmorusoMargaret AndersCharlene AndersonJohn R. Anderson, IIIKristin AndersonKatrina AndreyoAndrew AndrijiwskyjRonald B. AndzelikChristine AnglandGregory J. AnnaCamillia E. AnthonyJeffrey AnzovinoAlan AptMaureen B. AquilinoKathy A. ArentzPatricia D. ArlingtonJordan ArmitageCarolyn T. ArnemanChristopher R. ArnoldDerek ArnoldKaren B. ArthurPaul ArvayRebecca AssaloneDouglas W. AthertonWilliam E. Aubrey, IICasey L. AukermanKati AumillerEileen G. AustinSandra AustinEric L. AveryMorgan BaconChristy BaileyJorden BaileyAnita H. BakerEdward T. BakerHeather M. BakerMichele L. BakerChris A. BakosMonica L. BalafoutasMarni BalutaSusan K. BarberChristine BarbieriTeresa D. BarbuzanesRenee BargerCorrine BarkleyKaren BarnettLaura BarrCarol E. BarrettCrystal BarrettPaula M. BarronJim BarryTabitha BarshingerElizabeth BartholomewMark C. BartholomewRachelle BartholomewJanis L. BartlettLinda L. BartleyValerie F. BatesKimberly N. BattinJelena BatulaS. LeaAnn BaucomTaylor A. BauerSuzanne M. Baughman-BeckerLori R. BaumgardnerDouglas C. BaxterAutumn BaylesJennifer BeachelMelissa A. BeanJohn BeardAlexandria BearfieldBrigitte Leann BeauchatWilliam L. BeauseigneurLori J. Bechtel-WherryDanielle J. BeckRobert D. BeckThomas E. BeckEdward C. Beckett, IIIPeggy BeckwithBryan C. BecraftErin L. BednaroStacy L. BeelerVickie L. BeerTami Lynn BeidlerSusan T. BelferAndrew BellDebra S. BenderDebra BenettiGarry R. BenferKimberly A. BennerJanis H. BennettJohn BennettBeth BensonSarah E. BensonJoshua M. BergGeorgann Berger McKennaKathy J. BerkebileNaomi R. BerkeyLance R. BerneckerHeather BernhardKimberly Ann BersingerTim BerwagerRosa BestMaria R. BetheaSylvia Betz GardnerJanice BevacquaHeather BidwellAmber K. BierlyJacklyn BingamanJennifer BingamanRebecca A. BingamanChristine M. BinkleyRachel G. BitnerJennifer BittenbenderJeanetta BixlerMegan BlackMelissa BlackKaren L. BlackwellErica BlairJeffrey A. BlakeleyNancy BlazerLaurie Blazer-HuboskyJames A. Bleakly, Jr.John D. BlecherSarah BleggiKerry L. BlilerLindsey M. BlissPeggy BlockNicole BloniarzJanina BobakBrian M. BodoPeter J. BoergermannLisa M. BohnerMichelle A. BollingerJames M. BoneLisa S. BonhamJennifer BookerKelly A. BoopJenna BoothMichael D. BorickRobert BoscarinoMichelle L. BoschJ. Ilene BoughnerDorette A. BoutrinPamela J. BovaCristin BowdenCody BowenLinda F. BowenBrittany BowersDonna J. BowersRachel BowersStephanie BowersDenise A. BowieCasandra BoxJon BoydJudy BoyerMegan BoyerRachel BoyleCourtney BoylesNicole M. BoytinMary Ann BradenDiane BradfordLisa R. BrandtKim A. BrantMichelle BrazilCassie J. BreloAudrey D. BressetChristopher T. BressetRobert M. Brewington, Jr.Lesley J. BrilhartDeborah L. BrillErin L. BrimmeierMelissa S. BrindleyCrystal Bristol*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 92019 PaBPAC ANNUAL REPORTBrian W. BrittonTina BrookensBrian BrookingMelissa BrooksClaudia BrownJaclyn BrownKathy BrownLori B. BrownNia BrownRobert BrubakerJill BrumbaughErica BrunoGreg BrunsAndee BryanKatherine M. BryantSamuel J. Bryerton, CFPEleanore BucchiAmanda BucciAnna A. BucherChastity BucherAlisha M. Buck, CAMSKelly S. BuckRaymond W. Buehler, Jr.Michael A. BuffingtonAutumn BullersDanyell L. BundyWilliam BurdCynthia D. BurdickMarkayla BurganErica BurgerWilliam A. BurgetAutumn Burke DempseyAmy L. BurkeSherri BurkeKathleen L. BurkettRobin L. BurnhiselAlicia BurnsErica BurnsRobert T. BurnsKelly S. BurrowsEric BuschWilliam BussomRyan ButlerGary ButtersJames D. ButtersDarlene L. ButteryTeresa L. BuzniakSteven ByersArlene M. BylerMichelle K. ByrneDomenic CagliusoSandra L. CairnesVanessa CalamanJessica CaldwellAshley CampKathleen M. CampbellSusan M. CampbellIan F. CannonSusan CannonPeter CaperonisCarmen CaputoBarbara CarbaughChris CarcellaKatie E. CardLisa CardoneLisa M. CareyMichael R. CarlinCynthia CarllDr. Karen K. CarmackStephen R. CarmanEdward J. CarpolettiAnna Leigh CarrConnie CarrJeffrey B. CarrJulie A. CarrLee Anne CarrMichelle J. CarrMichael CarreraAndrew CarrollPamela H. CarrollDavid P. CarsonDiana CarsonGeary L. CarterJeffrey CarterKelly M. CarterRichard A. CarterMichael F. CasimiroKori CasselberryRobert M. CastroJacqueline A. CatalanoLeasa L. CauserJohn E. CentiJay W. ChadwickTiffani A. ChambersRobert W. ChappellBonnie L. ChavilleEmily CherryKeith CheslerRichard F. ChimelewskiBradley A. ChovitKimberly Romance ChristmanLacey ChurmbloScott D. CirellaCara Lynn ClabaughTasha ClaggettTimothy D. ClapperAshley R. ClarkAshley W. ClarkJeffrey S. ClarkRalph W. Clark IIIJames J. ClarkeBrynne ClawserBradley J. ClevengerEarl ClevenstineKaren ClowDonna CochranLisa CochranBrian CogleyLynda ColarussoEvelyn L. ColdsmithErika L. ColeErin M. ColeKatherine ColeDonna ColellaKim C. ColemanKimberly ColemanStephen C. ColemanJustine CollTina M. CollinsRobin R. ColwellMary Ann ConawayEllen M. ConboyJackie A. ConferBrianna ConnellyAnn ConradCathy J. ConradLisa ConstantineJohn Conte IIIJoelle R. Conti-WasherCarla CookLaeken M. CookLisa L. CookJames W. CoombesThomas M. CooperChrissi CoppKim CoppMary CordellSuann CormanAlta I. Corman-WolfJennifer A. CottonAnna CouttsCourtney L. CovelensRandy CovingtonWilliam R. CoyAdam J. CrahallJeffry D. CramerSierra CramerStephen R. CramerCindy CrawfordStephanie CrawfordRichard D. CriderRebecca L. CrillySteven M. CrisseyNicole CrockerDavid J. CrouseMaryAnn CrowellCollette R. CroyleTeresa CrullAnnaMarie CuddyJennifer L. CullersJessica J. CummingsDavid H. CunninghamJohn P. Cunningham IIMadison CuomoSara CupstaMaria CzerwinskiTammy CzyzScott A. DahlAlan W. Dakey*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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10 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTKristen D’AngeloRussell G. DanielsRuth E. DanielsAnthony J. D’AntonioPam DaskivichAngela DavidsonJames C. DavidsonRebecca DavidsonAnne DaviesCarly A. DaviesJanette M. DavisNan DavisRobert F. DavisMiriam DeFehrSalvatore R. DeFrancesco, Jr.Arlyce M. DegnanLaurel DelaneyBrittany DelineKay E. DellAntonioElizabeth J. DellingerMichele DelongEugenia M. DeLorenzoMichael R. DelPrinceNicholas DeMedioBarbara DemontierAlec DenlingerTracey DennisDenise DennyRonald P. DePasqualeSabrina DeptoKris DericksonDawn E. DerkValerie L. DetwilerFelicia A. DeVincentisAnthony M. DiasparraMaria D. DiazPaul E. DickThomas M. DidatoBelinda M. DiefenbachMary S. DietzMegan DietzStephanie N. DietzLisa D. DillonJeff DiLulloChristina D. DingerThomas A. DingfelderPatricia M. DiStasioSandra DiTommasoAlyson DixonGwen DixonBrandon DolinKimberly DolmovichKevin D. DoltonKatelyn DonatChristopher DonatoneDebra A. DonnellyDonald L. Doolittle, Jr.Kenneth C. DoolittleEsther DormanJohn C. Dormire, Jr.Natalie DorseyWendy DorseyTimothy D. DotyJamie DouganKimberly M. DoveLauren DowneyLisa A. DowseAmy L. DoyleDaniel F. DoyleKaitlin DoyleKatie DoyleRhonda DrakeMartin L. DreibelbisLinda DresslerJames B. DubbsChristina K. DudleyJessica DuffellJoyce M. DugasFred J. DuncanDonna J. Dunham-SmithMelissa A. DunnCrystal DurachkoDean H. Dusinberre, Esq.Amanda S. DutrowMark G. DwyerT. Kay EadieLinda Eagle, Ph.DThomas L. EberhartLinda M. EckertStephen EckertSonale EdelmannRobert G. Edgerton, Jr.Joshua EdwardsJulie EdwardsJennifer L. EgeDiane L. EglyMarilyn K. EichelmanNathan A. EifertMarianne C. EisenhauerStephanie J. ElderMaryann EllefsenTamra ElletsonRalph Ellingsworth IIKatie EllisCarrie L. ElterZachary EmbryJack W. EmeryAmanda L. EnglesKathleen EnslinShawn M. ErbLisa K. EricksonChristian EricsonAlexis E. ErtleySteve F. ErwayKelly L. ErwinKaitlin EvansSusan E. EvansTrudy K. EverhartKathleen E. EvertMelissa D. EyerSusan R. EyerJillian FairmanJoshua R. FaithJulie Fallon HughesKevin FalvoMatthew Faranda-Diedrich, Esq.Margaret FarberPhilip O. FarrVictoria L. FasickSalvatore V. FazzolariKimberly A. FeiglesWilliam R. Feist IVHarry W. FeltyBarbara L. FergusonCasey L. FerrantiJuliana FerraraCatherine FerraroConnie A. FerraroJoseph M. FerrettiAmanda FerrisEmily FesslerJohn FetskoWanda D. Filer, MDLaura L. FioreGloria FirestineAmanada FischerJason A. FischerJorge Fitzmaurice TorresKathleen Fitzpatrick, CRCMThomas A. FleddermanPeggy L. FlemingShari FlemingAmanda FletcherDiana FlicknerDawn R. FochtAndrea FolkEric M. FollinDiane FonnerDickson K. ForbesMichael ForemanRonald FormanikRobert E. ForseDeanne L. ForslundDavid L. FortinRenee K. FoustRobert W. FoustDiane FowlerAndrew D. FransonCharity L. FrantzSummer FranzoniScott A. FrazierStephanie FrederickThomas E. FreemanJanette M. FreyHeather FrisbieStephen FritzJessica FronkKrista FullerPeggy L. FullmerJames Fulmer*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 112019 PaBPAC ANNUAL REPORTRufus A. Fulton, Jr.Charles E. Fultz, Jr.Eric L. FunkConstance M. FurmanMary V. GabrielAmber GabrielsonNathan T. GageKristy A. GalesAndrew J. GallagherCynthia A. GallowayJoann GannonMargaret A. GanterEric J. GantzRobert P. Gardill, Sr.Kimberly GardnerLauren S. GardnerLinda GardnerNancy A. GardnerTania GardnerDana S. Garland, ChFCLea J. GarrardCara D. GarriganCassandra GausmanTina GeerRyan S. GeibMeghan GeiserJune GeorgeMelissa GeorgeDavid M. GerhartJody Geyer, Esq.Jodie GibboneyTanya GibbonsLynda GibilanteGennie GibsonKathleen M. GibsonJames C. GierlichLori A. GigliottiKaren S. GilbertJean GilkeyRussell E. GillmanBeth N. GilmoreElizabeth A. GilsonPhilip E. Gingerich, Jr.Halsey GintherPolly GipeShane GipeThomas Giuffrida IIJoseph A. GiuntaStevi GlickLoretta M. GockleyTorey GoffJennifer L. GohnKatherine GoitiaMichael GoldbergMariann GolovkinaJeannine M. GoncherKelly L. GoncherHolly Jean GonosKristine M. GoodCathy S. GoodhartFrancis GossShawn D. GouldthreadJohn F. GowKristin GrabiakRichard A. Grafmyre, CFPAvis M. GrahamRoger C. Graham, Jr.Maureen GrantJacqueline A. GrasleyTerry GrassleyGlenn W. GrauJanice L. GraybillShavonne GraysonJulie GreeleyCarla J. GreenNicole GreenJody D. GreenawaltKristie M. GregoryWilliam K. GreisRoxanne R. GreisingJoan L. GrenellMelissa GriffinJim F. GriffisChad GrimesEmily S. GrimesChristopher D. GrimmRachel A. GrimmPatricia A. GrooverNola C. GrossVincent GrossJeanette GroveJessica L. GroveMorgan GroveScott L. GruberBrian GrzebinBetsy J. GuffeyTheresa M. GuldinG. David GundyCiera GuskyJillana L. GuthCandee GutshallShelby N. HackenbergDianna L. HackmanKimberly HackneyGina HaffleyLaura HaffnerNancy HaggartyJoseph K. HainesJacob HalleadJennifer L. HalliganJustin T. HamiltonRichard C. HamisterAmber L. HancharickMary Carol HanisPatricia A. HanksH. Barton Hann IIIKathleen HarbisonJodi HargenraderPhyllis J. Harmon, CFPTracie A. HarmonLaurie S. HarringtonRandy L. HarrisMelissa HarrisonVictoria S. HarrisonKathryn L. HarschBryce HarshbergerEdna HartNancy A. HartBarry W. HartingJennifer Lynn HartleLisa HartleyHolly A. HartmanAllana L. HartungDaryl C. HartzlerCharmaine HarveyMichelle HashinLisa M. HassingerJan E. HastingsEmily HauserTimothy I. HavicePamela HavrillaJohn M. HayesLinda C. HayesTerah Lee HaynerShiAnne M. HaysNelda J. HazlettPatty HeagyJames C. HeasleyJean C. HeathSara L. HeatleyVictoria HeavnerBeth HeckartChristian F. HeckmanSandra HeckmanMeghan N. HeebnerRebecca HeidlerNicole HeimJames M. HeinLinda S. HeintzelmanKayla HeldHeather HelmLisa HelmerThomas P. HendershotLisa HendricksonKimberly HenningerHeather HenrichAshley HenryEileen HenryPatrick B. Henry, Jr.Marco C. HensensDonald W. Hepburn, Jr.April HeplerShelly A. HeplerAliza HerbertAmy B. HerroldThomas E. HershelmanMargaret H. HertleinLisa D. HessDawn HieplerAutumn J. Highhouse*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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12 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTAmanda C. HigleyMelissa HigleyRichard G. HildebrandRich A. HildebrandtSamantha HildmanP. Jeffrey HillMeagan HinderliterMackenzie D. HindmanChristina L. HinesIan J. HinsdaleTheresa M. HintonDarlene HockenberryKris HockenberryMartha G. HockenberrySara E. HockerAllison M. HodasKatelyn HodleCindy HoffmanRose HoffmanJenna HoguePenny HohmanTimothy R. HolderLaura HoldrenChase L. HollJeffrey G. HollenbachJustine HolleranJ. Matthew HollidayJohn HollingsworthLena Elaine HolmesWilliam C. HolmesP. Dean HomerGregory K. HomrockHeather HooverRainbow D. HopkinsDeborah A. HopperRebecca L. HornbergerTerry P. HornerKristen D. HornfeckTiffanie R. HortonShelly Hostetter, ADP-CPSBruce R. HostlerPam HostlerJohn HottensteinLeslie A. HouckSarah HoustonStephanie L. HowardKathryn HoweBette R. HowellThomas HowleyLynn A. HraboskyEvangelos HronisLeslie V. HubbertSusan L. HubbleDavid J. HudakJames T. HuerthKelsey HueyMichelle R. HueyAmy HuffmanBrian M. HughesKathleen E. HughesMichael J. HughesAubery L. HulingsSuzanne L. HulsChristopher HumeAndi HummelSandra HummelDouglas A. HummerDonna S. HunsbergerDebra A. HunsickerAmy HupkoLauren M. HurshMichael E. HusonShana HutchinKathy D. HutchinsonRichard HuttonMichelle HynesShelley R. HysongJohn IannoneDenise Z. IckesMelanie A. IezziElizabeth IrvinShannon IrwinJaclyn R. ItalianiJoseph IvockCarly R. IzbinskiHannah F. JacksonTammy L. JacksonDouglas K. JacobsonJanet JacobyJennifer M. JaycoxGaren JencoChrista S. JenningsSara L. JenningsPhylis JensenDiana JimenezMichelle JohnsAmy JohnsonElaina JohnsonElizabeth A. JohnsonEric A. JohnsonHolly A. JohnsonJ. Eric JohnsonJulie JohnsonPatricia A. JohnsonTerri J. JohnsonDarren L. JohnstonAshton K. JonesCarmen R. JonesDemi JonesJack W. JonesKatie J. JonesKourtney JonesMickey L. JonesBarbara JordanChristie JordanAmy L. JosephWilliam M. JosephWilliam D. JosephLenee L. JozefickBrian A. JurkowskiDana Kaiser-BrechbielChelsea KaneKaren R. KanounErin L. KanterMarcia J. KarasekJane L. KarneyDebra KaromKaliopi KaromfilyRobert F. KaroscikCrystal KauffmanStacy KaufmannHeather K. KazinetzWilliam F. KearDennis E. KeeferRichard A. KeeferStacey L. KeenerDale P. KeeneyWade KeifferBarbara V. KeimJennifer KeimCourtney KeiperJennifer B. KeisterJeryldean KellettHannah L. KelleyPatrick KelleyDeborah KellyMarci KellyMark KellyTonya M. KellyGary KelseyKim L. KempDina M. KempskiSue KendigLisa A. KennedyAlexis KenneyDonna Kenney-SmithPamela Kerber GehmanBrittany A. KercherskyDenise R. KernJoseph KesilmanCarl P. KesslerSharon KestlerJohn R. KidderCasara I. KiefferPatrick E. KillpatrickMark A. KingMelanie KingLisa L. KinneyValerie W. KinneyJennifer KirkTyler A. KirkwoodTimothy H. KirtleyChristopher R. KirwinTim KishbachErin KissoonJohn D. Klatte IIKaren KlimczykJaime J. KlineKenneth Klingler IIICynthia L. Klose*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 132019 PaBPAC ANNUAL REPORTGregory L. Kloss, Sr.Jill KlotzbachJames G. Knepper, Jr.Heather K. KniselySteven W. KnopfElizabeth KnottJessica A. KnouseTimothy J. KochanaszErika KopernaJoAlyce KopinskiNeal D. KoplinAlysia KoppenhaverDawn A. KormanE. Gene KosaJonathan P. KosiorDennis KottelichMargaret KovachAmy D. KovacsMichelle E. KozakSusan KramerLindsey KratzerKarl F. KrebsDaria W. KreiderGene Kreitzer, Sr.Justin F. KrellnerTammy KresgeJohn M. KriakMary KriberneyKathryn KriebelMorgan A. KriegerAlexander S. KrollLauren E. KrumJacqueline KsenichBeverly J. KubalaAnita KuchcinskiJulie KuenMichael E. KuglerAnne KuhnJames F. KuhnGarry R. KuhnleMarsha K. KuhnsRonald G. KukuchkaKathleen B. KulbitskyPaul M. KundrodTracy KwiatkowskiBarbara KycRandall LaBrieElisa LahozAngelica LahrmanJulie LainAmber LambertJ. Wayne LambertKathleen LambertDana LanderAndrew D. LandisKarla S. LandisTaylor LandisJulie A. LaneTroy LangendoerferJeffrey M. LangfordMary A. LansberryKathy A. LantzJacklyn LantzyBrent LappMary LargentDonna B. LashKaren LasordaKelly J. LatimerHarlan W. LavinBrenda LawrenceRenee D. Laychur, CFACherry L. LayeMelanie A. LazzariC. Andrew LeamanDeborah A. LeeMimi LeeSascha C. LeftaultAshley LegradiBrian H. LehmanKelsey LeidPreston J. LeisenringErin LeisterMaria R. LemmoMilissa J. LenahanJeffrey H. LeograndeAlida I. LeslieRyan LeszunRichard J. LettieriKris LevanMarc D. LewisSean LewisShaina LewisPamelia R. LibhartRamona LicastroScott E. LiedJennifer L. LifstedMichele E. LightPaul C. LindbergJeffrey S. LindenConstance A. LindenmuthKaylee LinemanDebora M. LionKimberly A. LipyanikThomas R. LisellaBethany LiskaNicholas LitrentaAmanda LittleBrian LittleJonathan LittlewoodHeather LivelySusan B. LloydDorothy LobdellKerry LobelMary LocricchioMichael R. LoehJill E. LoganDeborah LollElizabeth Y. LomanJohn LombardoAmy L. LongAndrea L. LongLea LongMatthew T. LongJessica LoperLarry D. LoperfitoMatthew LorangerDesiree LordScott A. LoveMichael T. LubonskiRyan J. LubyKatie J. LucasChristina LukasJudy LundbergErica L. LundgrenRyan T. LutzSara MaboldLinda S. MacenskyHilary MachmerJohn A. MackBarbara A. MacksBarbara MacullochKelly E. MageeR.A. MaguireBrian C. MahlstedtSkye MahoskySabrina MainesBenjamin M. MajorWarren MajorMargaret S. MajotMarco MaldonadoJessica L. MalewskiLori A. Maley, CPAAndrew MalloyChelsey MaloneHeather MaloneyMary Louise R. MaloneySarah L. ManevalKimberly A. ManganaroElizabeth A. MangesMelanie M. MannNancy ManningJulie A. MarascoCarol MarazzaJoanne MarchionniLisa MarchioriCynthia MarconiLauren MarianiCharlene M. MarkishChristina MarmaraHeather MarshWilliam C. Marsh, CPAGlenn B. MarshallJessica M. MarshallBritt Marten-LongAnn L. MartinDeidre MartinJames E. MartinJonna L. MartinJulie L. MartinPatricia A. Martin*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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14 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTPhil R. MartinRhetta B. MartinStacy MartinSusan A. MartinTrisha G. MartyHeather MartzTina M. MartzJames MarvinSabrina MarxTravis MarzoLynn M. MasonCorinne MastLaurie J. MastLisa M. MathesonCharlotte MathiasPeter L. MatsonPaul G. Mattaini, Esq.Jeremy MatternSharon D. MatthewsDenise J. MattisonWilliam MauckChristine MaurerJeff Maxwell, Jr.Nancy J. MayDebbie MayoVirginia A. McAdooMichael J. McAndrewAshley A. McBrideAlyson McCabeHarvard McCardleCarla McCarthyLeigh Anne McCartneyJoanne L. McCawNancy Lee McClellandHelene M. McColeMarianne McConeghyJohn McConnellKevin McCormickJennifer McCoyCharles F. McCulloughRyan McCullumTina K. McCurdyKaren J. McDermottRhonda McDoleDeborah K. McDonaldIan F. McDowell, CPAApril C. McElravyRebecca McFallJason A. McFallsValeria McFarlandKevin McFarlaneMitchell R. McFeelyErin McGarryKelly McGarryKathleen McGarveyAdam McGaryLeslie McGowenJune McGrawDeborah McGregorMarla J. McIlvainKristen McKeagDeborah A. McKeeWilliam R. McKeeSean P. McKinneyDonald McKnightKathy McKnightKristie R. McKnightAmy McMichaelLorie McMillenJulie McNamaraShane E. McNaughtonMary T. McNicholsSusan J. McQuillenSharyn McTaggartCarrie McWilliamsLeslie MeckMarissa MeckelSusan M. MeierMark MellasSondra K. MellingerEileen MendekTammy MennorR. Eric MenzerBeverly A. MerrickMark G. MerrillAdam MertesKaren MetzMichael S. MetzKenetha M. MetzgerLeslie R. MetzgerBrian W. MeyerJames R. MialeShane Michalak, CPALisa A. MicheloneDebora A. MickaHarold J.P. MigiasJulie A. MikolichFrank C. MilewskiDanielle MillarAlan L. MillerBonnie L. MillerBrent MillerCarley MillerCarrie A. MillerCynthia A. MillerJason MillerJennie S. MillerJessica L. MillerJudith M. MillerKaryn L. MillerKayla MillerKierna L. MillerLinda A. MillerLinda K. MillerLisa MillerMark A. MillerMary A. MillerMelissa D. MillerNichole MillerRonald MillerTex MillerJerome F. MillinSheila MillinderLisa MilneDustin A. MinarchickKristy J. MinierChristopher J. MinnsMarnita MintoJohn MintonBrenda J. MitchellJennifer MitchellAmanda MixKevin G. MizakTarrye MolickKatee MonahanNicolesha L. MonahanPeggy MonnieKathryn MonsellTerrence M. MonteverdeAllison MooreJodi L. MooreRebekah R. MooreTiffany MooreTom MooreSally MorganLeslie N. MorgensternCheryl A. MorrisJudy MorrisPatrick D. MorrisDale E. MorrowSean MorrowLarry G. MortonJanell MoserJohn MosesAnnette M. MoshgatAshley MossieChester Q. MostellerCynthia M. MotichkaGary M. MoyerJanet M. MuellerAlice R. MuldrowSharon A. MullaneyCraig M. MullenSusanne MullinEric D. MummauLarissa MurphyStephen R. MurphyKrista D. MurrDarian MurrayGlenn P. MurrayPatricia M. MurrayMary Ann MurthaMelissa S. MusserApril MyersDavid MyersElisia MyersJulie A. MyersDominick Michael NaccaratoMichael NaceDavid NagleElizabeth C. NagyRobert W. Naismith, Ph.DJames R. Nanovic*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 152019 PaBPAC ANNUAL REPORTSeth J. NapikoskiPeter NastaseDanielle NazarukDaniel P. NeadStefanie NeffBrian M. NeitzHailey NelsonSusan L. NelsonThomas NelsonJoanne NemethVolha NessAshley L. NevlingCatherine NicholasJames B. NicholasBrenda L. NiedererrHalle N. NiklausTheresa NobleChrissy NolteBrandy NortonLisa NortonBrandi J. NowakowskiTarah NystromTimothy P. O’BrienApril O’ConnellMary O’ConnellThomas P. O’ConnellTaylor O’DellKara L. OdomRobert M. OdomGenevieve OduorEric B. OffnerDiann OglineTracy O’HernErika E. OlsonMichelle OlsonRachel OppLinda M. OrdwayHeather OrtmanLarry D. OswaldLisa A. OteryJay M. OverJodi L. OzmunBeth N. PackelJoseph L. Paese, CFPPaul K. PageLori PainterRonda PalmerKathryn PalopoliBarbara PanebiancoKaren PangrazziChelsea N. PannebakerMargaret M. PapaliaEla PapayanniDaphne L. PapeNick PariseShari ParksJaclyn K. Parry BogertJohn T. ParryGary S. ParzychJohn Pash IIIVictoria E. PasqualeM.E. PasquerillaRebecca S. PasquinelliAaron PastorRobert W. PaterDiane PaulukinasChristine PavlakovichAmy J. PavlichkoCarolyn M. PayneTeresa PayneDenise PeachyCynthia M. PearceRichard PearceAmanda M. PearsonEllen PearsonLindsay M. PechtAmanda PeckSamantha J. PecynskiJordan M. PefferJames PeirceEdward K. Penner IIIGlenn R. PentzBrittni A. PereschukSheryl E. PerkinsGina PerrinDana PerrottNelson L. PersonKathleen M. PeterMelissa D. PetersShari L. PetersBrian R. PetersonJill PetersonGregory D. PetrillaDenise PetrozinoJacqueline M. PettengerBarry L. Pflueger, Jr.Donald G. PfohlLori A. PhillipsLindsey PickeringSusan PietersHope M. PiferMichael PillerDanielle M. PineMary Jane PingieGretchen PinkEva PinoJill PinoNick PlawaRani PoagueMelissa PolaskiChristine M. PollardJoseph Pollock IIITiffany M. PompeiKelli PontzerRobert M. PopeSaleeta PopeHelen PortaleJack W. Portser, Jr.Amy B. PotterShiann PotterSusan PowellTamika PowellAlison PowerKatherine M. PowleyRenee L. PresoDeborah A. PriceDonna L. PriceMichele PriceT. Michael PriceAlec PringleLauren M. PringleAlison PriscoPaul A. PritchardJames P. ProbstThomas J. Profy IVShawn R. ProperPhilip A. ProughSherry PruzinskyTracy PruzinskyAllison PrybellaMary C. PucciarellaAndrea L. PughHoward A. PulkerMaureen PutnamMarian V. PuzyckiIda M. QueenDenise F. QuinnRyan RaceColleen M. RadneyTed RaduJeffrey J. RaeSamantha RafalskiRose RaithPaula Ralston NenishKim H. RanckRandi RanckSherl RandolphBJ RankinTom N. RasmussenAudrey RattayCindy RaubDenise M. RautzhanLeslie R. RaymondWilliam R. Reabold, Jr.Robin B. ReamKara RearickJoseph RebarchakBrian ReedJennifer L. ReedJennifer L. ReedRebecca ReedNina M. ReeseLauren ReichenbaughOrly ReifKirsten ReiffPhilip J. Reilly, Jr.Cathy A. ReimerReggie ReiterChristopher J. RellJohn J. RemaleyBarbara RendelAndrew RendosMark RenziniAlaina Reott*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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16 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTAmber N. RestoPenny ReveleySusan E. RexMelissa ReynoldsTimothy R. RhoadesAmy RhoadsLiliane RibeiroEmily RiceMichael J. RiceAndrew P. RichardScott W. RidgewayDawn RidingMary Ann RigginsKristi N. Riley-PlattMary Ann RisboskinDarrell RishelLinda S. RishellLorrin A. RishellKarin RissingerJackie RitcheyBillie Jo RobbinsSherwood P. RobbinsTimothy RobertsJenna RobinsonKodi RobinsonStephen D. RobinsonAnthony F. RoccoJeffrey J. RocheJon RockeyKristina RodeNadine J. RodgersMichael RoganGlenda M. RogersJoan E. RoheDwight D. RohrerKenneth J. Rollins, Esq.Sandra RomaszewskiChristopher D. RomigTracy RookeAnnette Rose, CTFABethany RoseMelody A. RosenbergChad L. RosenberryWilma M. RosenberryShane RosenfelderRebecca L. RossSherry L. RossDonna M. RossiSharon L. RotenbergerAdrianne RothermelAshley RothermelMelissa RothermelJennie L. RothweilerBrittany RouseSonya C. RouteJennifer A. RoxburyMelissa K. RoyerEric S. RubinMelissa RubyAngela RucinskiLori A. RudalavageKathryn A. RuffaLynne S. RuffnerKris A. RuhlMandi L. RuhlJoshua RumbaughMara RumbaughChelsae RupertKrista RupertSandra L. RushMelissa RushworthCraig RussellSarah RussellMeghann RyanBrian SagerKate Deringer Sallie, Esq.Paul D. SallieJack R. SalvettiLisa M. SanoAngie SargentSara Ann SargentRyan J. SatalinAaron SattlerBristol SauerLeslie J. SauerKevin SavardLawrence SavinoDana SawyerVicki L. SaytiRichard M. ScanlonRachel SchadelTammy L. SchaefferDaniel J. SchafferJoan M. SchererStephen J. SchererDavid J. SchillingerMichalene N. SchillingerTodd M. SchirmerLori SchisslerJoshua S. SchneiderMark R. SchoenDustin SchoeningMelody P. SchottNicole SchrecengostCristerland K. SchrefflerKevin J. SchreiberCaitlin M. SchroppClay A. SchulerJennifer M. SchultzSandra J. SchultzAmber SchwabKathleen A. SchwickJulie L. SchwindtJennifer ScicchitanoWendy Sciullo, MSOLDiana ScottLinda A. ScottMaria S. SeabraMelanie F. SeagravesBarb SeamanDouglas A. SeibelLaura SeitzSusan M. SeitzIrene SelvaggiDenise M. SemanLinda D. SenftMichael SenicoHeather D. SerafiniKathryn SerniakChristine R. SerreMollie Jenn SeversonRon SeymourSandy ShadleCharity A. ShaeferMeghan ShaferBrenda L. ShafferDeborah S. ShafferJames A. ShafferMargaret J. ShafferRuth L. ShafferHimani ShahJill D. ShambachDanan SharerMichael W. SharpShelley L. ShatzerAndrea ShawgoTrisha K. ShearerKeith L. ShefferWilliam ShefferChristie ShehanPamela A. ShenkKate ShepherdStacy L. SherryCaleb J. ShertzerDeborah A. ShiefLori ShimelKaren D. ShinnBruce E. ShipleyMarie ShiresSally A. ShirkKristen ShoemakerAmy ShomperWilliam J. ShorbAlicia ShowalterErika ShuelerBeth Ann ShueyMichele ShullerAriana ShultzJudy ShumanStacey A. SicklerCharles F. Siegfried IIITodd SigetiLindsay SimEileen K. SimkovitchRichard SimmersKuldeep SinghLynn Ann SinkoGregory J. SiposAndrew SiscarettiMelissa A. SitlingerTrey SkalosKristen SlickLuke SlubowskiCynthia A. Smaniotto*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 172019 PaBPAC ANNUAL REPORTDavid D. SmealPat SmileyAdam B. SmithAmber SmithAmy M. SmithBetsy J. SmithBrett L. SmithCheryl A. SmithConnie E. SmithDebra A. SmithDonna SmithDouglas N. SmithJ. Seth SmithJames E. Smith, Jr.Kimberly G. SmithKimberly SmithLindsey SmithLori SmithLynne M. SmithMark T. Smith IIMichael A. SmithRodney H. SmithSally K. SmithTina J. SmithWendy J. SmithBruce A. SmithgallMark SmithgallJulie A. SnareJacqueline N. SnellBrandi SnookBetsy SnyderCindy SnyderCory SnyderDavid L. SnyderGregory W. SnyderJeffrey SnyderLisa A. SnyderNichel SnyderTeri A. SnyderTalwinder K. SohiRachel SolomonTyler SonesHelicia E. SonneyKarla R. SoobyJames L. SoutoSydney SparlingWendy SpeedApril A. SpencerJulie F. SpikerNicole M. SpikerDaniel G. SpinelliDiana L. SponsellerCristy L. SprankleLisa Marie SprenkleAshley SpringerNatalie J. StackhouseKaren StanfordStephen P. StankoSarah S. StansfieldMelissa M. StantonDaniel L. StantsRebecca A. StapletonEsme StasaSabrina L. StatlerMichelle L. Staton, MBADenise E. StaubVicki L. StecGail SteelmanSue StefanowiczKimberly SteinbergLis SteinerMaureen StephensonBobbi Jean SterndaleKathy StetlerCathy M. SteuberMichael StevensKayleigh StewartKelly StewartMichael M. StewartWendy L. StewartJessica StiddRebekah M. StielyKaren A. StiltnerStevi L. StimelyShelly StockmalLorri StocumSharon StoffletThomas R. StoneKevin M. StonerWilmer G. StonerPatti StoudtAmy M. StoutGeorge S. Stover, Jr.Peggy StoverMarina T. StremickStephanie L. StricklerAmanda StrileyLori A. StrimpleWendy S. StroheckerAmy W. StrohmNorman M. StrotmanKaren C. StroudSheri StrouseJenilee StrubleFrancis J. StrunkRebecca L. StuckeyKrystal SullivanChristine SumerElliott T. SumnerJennifer SunderlandKayelene G. SunderlandRaymond J. SwachaKellie R. SwalesDean L. SwansonJames M. SwansonTheresa L. SwansonVeronica Lynn SwansonDaniel SwartzDavid W. Swartz, Esq.Judy SwartzRachel D. SwartzfagerJonathan G. SwearerJessica J. SweeneyJessica L. SweetSamantha SwigartJennifer L. SwingerWendi SwogerRachel SzaiderKenneth R. SzczurSusan TacchinoJoan TaceloskyEmily TaftJonathan TapocikNatalie TaptykoffWilliam C. Tarpenning IIIAndrea TaylorKelly L. TaylorLoretta C. TaylorJustin A. TeetsCarvel F. TefftBeth TerhorstBrenda L. TerryRiley TerysenRyan TevlinTim TewksburyRichard J. TheisJerome D. TheobaldLynn ThielDale L. ThistlethwaiteDeborah M. ThomasDorrie D. ThomasJody N. ThomasSteve ThomasTeresa A ThomasDeborah A. ThompsonMarah ThompsonMark A. ThompsonViktoria ThompsonDavid A. ThomsonJacqueline M. TierneyCandace TiernoCarmela TimmonsLinda D. TimmonsEmily TingAndrew M. TjernlundAdrian X. TkachZachary TolomeiJoseph S. TomkoKay ToscanoScott C. TottenTheresa A. TraceMeghan N. TramaceraChristian C. TrateTherese L. TrianaKenneth G. TrimbathPatricia A. TrinclistiGary C. TrivelyJeremiah TroutDebra L. TruckermillerKatina TruesdaleRyan M. TrulickNancy TubbsCory S. TuboDorthy M. Turner*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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18 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTMark A. TurnerLaura E. UlrichRobin UmbenhauerDeborah L. UnflatLeslie A. UngerRay L. UngerGail UpdykeJerry F. UpdykeMichelle E. UrbanEugene VadellaWendy L. ValentineJill M. ValentiniJonathan J. ValerioAshley VanArsdaleRobin E. VancheriHeather VanDeMarkReed VanDerlykeDestiny VanderpoolPeter C. VarischettiDonald L. VarnerPamela VarnerSamantha VarnerMelinda J. VenellaJohn J. VenturaRobert A. VernickWilliam J. Vitiello, Jr.Tracy VoganBrenda VorceBradley J. WagnerElaine V. WagnerKimberley A. WagnerMichelle M. WagnerSharon WagnerKevin C. WainEdward L. WalakovitsAmanda WaldronBrittany WalkerPhilip C. WalkerRyan WalkerShawn O. WalkerThomas J. WalkerBrenda G. WallaceBrinli WallaceJill T. WallaceSherry L. WallaceSusan WallaceEugene J. WalshPaul J. WalshCarrie L. WalterMatthew J. WalterCatherine E. Walters, Esq.Robert WaltersJessica WaltonAmy E. WardJoseph G. WardDavid WarhoSusan WarrickMichael J. WaseleskiCharles WassonSasha M. WatkinsRebecca WattDebra J. WattsLinda S. WeaderCarol A. WeatherbyAnn WeaverDebra L. WeaverDennis A. WeaverMatt WeaverNathan A. WeaverSara WeaverLori J. WeberWilliam H. Weber IIHarland C. WebsterRachelle WehrHeather WehryDebra K. WeikelJerry J WeinbergerSteven WeinbergerAlissa WeissKristine WelchLorraine WelkerChristine WelkieElaine WellerSue Ellen WellsEdwin A. WennerDonna WenrickDebra J. WertTaylor M. WeseskyBrenda WesnerKathryn WesneskiNancy J. WestThomas A. WesterlundSamantha A. WestoverKimberly A. WetherholdConnie L. WeyandtAmy B. WherleyDavid WhetsellEric WhiteJeffrey R. WhiteMelinda J. WhiteJanet A. Whitehead, SPHRAllanna WhittemoreKatie WhysongShannon WiertelElizabeth WilburDouglas WilburnJanice M. WilcoxCharles E. WildonerBrian WilkenTeresa WilkinsTony WillardElaine WilliamsStacey S. WilliamsTracie L. WilliamsAmber WilsonDennis L. WilsonDiane K. WilsonDonna M. WilsonEric WilsonJaleesa M. WilsonJeffrey D. WilsonJeffrey J. WilsonNicole WilsonNadine WingroveWilliam F. Wise, Jr.Jacqueline WislerMarilyn M. WisniewskiStacey WitmerBrittany L. WolffTracey WolfordCarl M. WolfromSally S. WolginLynn WolinskyBeth A. WolyniecCarrie WoodRita WoodH. Steen Woodland IIAshley WoodsMary E. WoyVirginia Wright, AAPTodd WroblewskiAmy N. WundrackLeeann K. WylandCathy WynnRobert J. YahnerJames B. YardRebecca N. YeagerDanielle A. YeaterCharles YiJodi Yingling-AciernoCrystal YoderChristine K. YoheWhitney YohnHolly C. YoungMargaret M. YoungMartha YoungShaun YoungStephanie L. YoungStephen T. YoungJenny YuBrittany ZagozewskiSarah A. ZajdelCynthia ZamrozSheri N. ZeidersChristopher D. ZeiglerDanette L. ZellersDawn Zenner-GaudiMark ZerbePenny ZesigerSandra ZieglerDennis F. ZielinskiEmily Marie ZielinskiDonna M. ZievDavid P. ZimmermanDianne E. ZimmermanPatti J. ZimmermanLee R. ZinkMargaret M. ZonaJennifer L. ZukowskiRobert ZukowskiJessica A. Zupich*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.

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PaBPAC Annual Report 2019 » 192019 PaBPAC ANNUAL REPORT2019 Friends of BankingIn 2019, PaBPAC contributed to the political action committees listed below:STATEBaker for Senate CommitteeBenninghoff for Representative CommitteeBipartisan Committee to Elect Jack Rader, Jr.Build PA PACCamera for SenateCitizens for Jake WheatleyCitizens for Jason OrtitayCitizens for Jordan HarrisCitizens for Joshua KailCitizens for MackenzieCitizens for Mike ReganCitizens for Pat BrowneCitizens for Seth GroveCitizens for Stan SaylorCitizens for Vincent HughesCommittee to Elect AumentCommittee to Elect Dan LaughlinCommittee to Elect Eddie Day PashinskiCommittee to Elect James BrewsterCommittee to Elect Joe EmrickCommittee to Elect R. Lee JamesCommittee to Elect Rob KauffmanCommittee to Elect Scott HutchinsonCommittee to Elect Tarah ToohilCommittee to Re-Elect John SabatinaCommittee to Re-Elect Mario M. ScavelloCommonwealth Leaders CupDiSanto for SenateFriends for Donna OberlanderFriends for Mike ReeseFriends for Sheryl DelozierFriends of Aaron BernstineFriends of Andrew LewisFriends of Barry JozwiakFriends of Ben SanchezFriends of Bob MenschFriends of Bryan CutlerFriends of CaltagironeFriends of Carl Walker MetzgarFriends of Chris QuinnFriends of Doug MastrianoFriends of FarneseFriends of Frank DermodyFriends of Frank FarryFriends of Frank RyanFriends of Gary DayFriends of Gene YawFriends of George DunbarFriends of Greg RothmanFriends of Jake CormanFriends of Jesse TopperFriends of Joe PittmanFriends of Joe ScarnatiFriends of John GordnerFriends of John HersheyFriends of Jonathan FritzFriends of Judy WardFriends of Karen BobackFriends of Kate KlunkFriends of Keefer committeeFriends of Keith GreinerFriends of Kevin BoyleFriends of Kim WardFriends of Kristin Phillips-HillFriends of Kyle MullinsFriends of Lisa BoscolaFriends of Liz HanbidgeFriends of LongiettiFriends of Lou SchmittFriends of Marci MustelloFriends of Marcy ToepelFriends of Mark KellerFriends of Martin CauserFriends of Matt BradfordFriends of Matt GablerFriends of Meghan SchroederFriends of Mike Driscoll

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20 » PaBPAC Annual Report 2019 pabankers.com2019 PaBPAC ANNUAL REPORTFriends of Mike PeiferFriends of Mike SchlossbergFriends of Mike TurzaiFriends of Pam IovinoFriends of Pat StefanoFriends of Peter SchweyerFriends of Russ DiamondFriends of Scott MartinFriends of Senator John BlakeFriends of Sharif StreetFriends of Stephen KinseyFriends of Tim HennesseyFriends of Tom MurtFriends of Wendi ThomasFriends to Elect Christine TartaglioneGaydos for PAHouse Democratic Campaign CommitteeHouse Republican Campaign CommitteeJay Costa, Jr. for State SenateJohn Galloway for State RepresentativeKillion’s Victory CommitteeLangerholc for Senate CommitteeLeanne for PAMako for PAMike Regan for Senate CommitteeNortheast Republican House DelgationPeople to Elect Michele BrooksRosemary M. Brown for State RepresentativeSenate Democratic Campaign CommitteeSenate Republican Campaign CommitteeStaats for State RepSue Helm for State HouseTaxpayers for TommyTaxpayers for TorrenVogel for SenateVolunteers for ArgallWilliams for SenateFEDERALCitizens for Prosperity in America Today PACBrian Fitzpatrick for CongressCitizens For BoyleMad4PA PACChrissy Houlahan for CongressSusan Wild for CongressMeuser for CongressPatriots for PerrySmucker for CongressJAM PACFred Keller for CongressDr. John Joyce for CongressGuy for CongressFriends of Glenn ThompsonGreater Tomorrow PACMike Kelly for CongressKeep America Rolling PAC2019 Campaign AchievementsFor questions or to learn how you can contribute to the 2020 Campaign, contact Erin Kanter, (717) 255-6910 or ekanter@pabanker.com.2019 Campaign Goal$425,000.00 Total Raised in 2019$441,761.98Total Number of Bankers That Contributed: 3,78962 bankers took Denny’s Dare, contributing $1,000 or more2019 Statewide Denim Day: $2,722.50 raised 6 banks participated in the 2019 statewide Denim Day