John T. Cognetti has served as a Director of the Company since 1999 and has served as a member of the Bank’s Board of Directors since 1988. Mr. Cognetti is the former President of Hinerfeld Commercial Real Estate, in Scranton, Pennsylvania. With his background, education, and more than 45 years of experience in real estate brokerage, he provides insight on issues, trends, and values in the regional and national commercial real estate markets. He also advises the Board on Bank-owned real estate matters. Through his experience hiring and managing sales professionals, Mr. Cognetti shares additional insight on personnel, marketing, and management issues.