Peoples Financial Service PFIS

Mr. Champi has been appointed as President of Peoples and Peoples Bank effective April 3, 2026. Gerard A. Champi, was appointed Chief Executive Officer of Peoples and Peoples Security Bank and Trust Company effective January 1, 2025. Mr. Champi was appointed as a director of Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. From July 1, 2024 to December 31, 2024, he served as President of Peoples and Peoples Security Bank and Trust Company. Prior to the FNCB merger, Mr. Champi served as President and Chief Executive Officer and was a member of the Board of Directors of FNCB Bancorp, Inc. and FNCB Bank since July 1, 2016. Prior to holding this position, Mr. Champi was Chief Operating Officer of FNCB Bank from March 2011 to June 2016. Mr. Champi also served as Interim President and Chief Executive Officer of FNCB and FNCB Bank and as a director of FNCB Bank from March 2010 until February 2011. Mr. Champi had been with FNCB Bank since 1991 and served in various leadership roles in the Retail, Commercial Sales, and Executive Divisions. He currently serves as a Board member of Leadership Northeast, the Lackawanna Blind Association, the Pennsylvania Bankers Association, and as an Advisory Board member of Penn State Worthington Scranton, a campus of the Pennsylvania State University. He also serves on the Wilkes-Barre Law & Library Association's Executive Committee's Lay Advisory Committee and is a lifetime member of Pennsylvania State University Alumni Association. Mr. Champi has been appointed as President of Lackawanna Industrial Fund Enterprises (LIFE) and serves on the Board of Directors of the Greater Scranton Chamber of Commerce and the Executive Committee of the Chamber. Jerry is also past President of the Boards of Directors of the Northeastern Pennsylvania Council Boy Scouts of America, the Greater Pittston Chamber of Commerce, and the Luzerne County Community College Foundation.

JEFFREY A. DROBINS, Executive Vice President and Chief Lending Officer of the Company and the Bank. Mr. Drobins was appointed to his current position in October 2022, after serving as the Senior Vice President and Lehigh Valley Market President since April 2016. Prior to that he was Vice President and Commercial Relationship Manager since September 2014. From 2007 - 2014, Mr. Drobins served in various commercial banking capacities for National Penn Bank's Commercial Real Estate Lending Group. Mr. Drobins serves as Board member of Budd Agency, Inc., a property and casualty insurance company wherein the Company has an equity interest in. Mr. Drobins serves as Board member and Chairman of the Lehigh Valley Zoological Society, Schnecksville, PA. Mr. Drobins serves as Trustee of Peoples Security Charitable Foundation. Mr. Drobins is past board member and Treasurer for the Greater Easton Development Partnership and Lehigh Valley Regional Academy.

TIMOTHY H. KIRTLEY, Executive Vice President, Chief Risk Officer of the Company and the Bank, and Corporate Secretary. Mr. Kirtley was appointed to his current position in April 2020, and served as Executive Vice President and Chief Credit Officer from July 2016 until April 2020. Prior to joining Peoples Security Bank and Trust Company, he served as Executive Vice President and Chief Credit Officer of Peoples Bank, Marietta, Ohio from 2011 to 2016. From 2009 to 2011, Mr. Kirtley served as Executive Vice President, Chief Credit Officer of Delaware County Bank & Trust Co., in Lewis Center, Ohio. From 2007 to 2009, he served as Vice President, Regional Credit Officer, - Commercial Real Estate for Fifth Third Bank in Columbus, Ohio. From 1992 to 2007, Mr. Kirtley served in various commercial banking and credit risk management capacities, the most recent of which was Vice President, Regional Credit Officer, Community Banking from 2002 to 2007 for U.S. Bank, N.A. in Columbus, Ohio.

JAMES M. BONE, JR., CPA, Executive Vice President and Chief Financial Officer of Peoples and Peoples Security Bank and Trust Company. Mr. Bone was appointed to his current position as of March 31, 2025. Prior to his appointment to his current position, Mr. Bone served as Executive Vice President and Chief Operations Officer of the Company and the Bank, a position he held since the consummation of the FNCB merger on July 1, 2024. From September 2012 until the merger, he served as Executive Vice President and Chief Financial Officer/Treasurer of FNCB Bancorp., Inc. and its banking subsidiary, FNCB Bank. Mr. Bone had been with FNCB Bank since 1986 in various leadership roles and is a licensed Certified Public Accountant and is an active member of several professional, business and community organizations including the American Institute of Certified Public Accountants and Pennsylvania Institute of Certified Public Accountants. Mr. Bone is a former member of the Issuer Advisory Council of the OTCQX and a former member of the Advisory Board for the Federal Home Loan Bank of Pittsburgh. Mr. Bone is also active in the community with King's College and currently serves as Executive Vice President and Vice President of Finance and Board Member of the Northeastern Pennsylvania Council Boy Scouts of America and as a Board Member of Fox Hill Country Club.

JOHN R. ANDERSON III, Executive Vice President and Chief Operating Officer of Peoples and Peoples Security Bank and Trust Company. Mr. Anderson was appointed to his current position as of March 31, 2025. Prior to his appointment to his current position, Mr. Anderson served as Executive Vice President and Chief Financial Officer from March 2018, after serving as the Senior Vice President and Interim Principal Financial and Accounting Officer since April 2016. Prior to that he was Vice President/Planning and Statistical Analyst, of Penn Security Bank and Trust Company since May 2011. Prior to that he was Assistant Vice President/Financial Reporting Officer at Penn Security Bank since January 2006.

William E. Aubrey II, Mr. Aubrey has been a director and Chairman of the Board of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2006. Mr. Aubrey served as President and Chief Executive Officer of Gertrude Hawk Chocolates based in Dunmore, PA from 2003 to 2019. Mr. Aubrey served as Chief Executive Officer and President of Alternative Investments at Gertrude Hawk Holdings from 2020 to 2023, and remains an advisor to Gertrude Hawk Holdings. Mr. Aubrey serves as a Board Member for Schlotterbeck & Foss located in Portland, ME. Mr. Aubrey serves as a Board Member for Gertude Hawk Chocolates located in Dunmore, PA. Mr. Aubrey served as a Board Member for United Gilsonite Laboratories located in Scranton, PA. Mr. Aubrey also served as a Board Member for Rustic Crust located in Pittsfield, NH. In addition, Mr. Aubrey served on many community boards including past Chairman of Geisinger-CMC Hospital, Keystone College, Holy Cross School System, Everhart Museum and the Waverly Community House. Mr. Aubrey holds an MBA and CPA.

Mr. Thomas J. Melone, C.P.A. was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. Melone served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 2011. Mr. Melone is a Partner with the Albert B. Melone Company Certified Public Accountants, a provider of accounting, tax and consulting services throughout the Northeastern Pennsylvania region. Mr. Melone, who has been with his firm since 1981, participates in the firm's Tax Preparation and Advisory Services as well as it's Small Business Advisory and Consulting Services. Mr. Melone has extensive experience in the financial management of public-school districts operating in the Commonwealth of Pennsylvania. Mr. Melone is also a shareholder of Pro-Data Processing, Inc. Mr. Melone is an active member of several professional, business and community organizations including the American Institute of Certified Public Accountants, Pennsylvania Institute of Certified Public Accountants and the Allied Services Board, an integrated health system, specifically serving as Chairman of the Allied Institute of Rehabilitation Medicine and the John Heinz Institute of Rehabilitation Medicine, and as Vice Chairman of the Allied Services Foundation.

Richard S. Lochen, Jr. has been a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2003. Mr. Lochen has been a Certified Public Accountant with the firm of Lochen & Chase PC since 2003. In January 2023, Lochen & Chase PC merged with McGrail Merkel and Quinn PC and into MMQ PC. In May 2006, Mr. Lochen was appointed as President of Peoples Financial Services Corp. and its banking subsidiary (then known as Peoples National Bank) and served as President and Chief Executive Officer from January 2007 until November 2009.

Sandra L. Bodnyk has been a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2020. Executive Vice President, Senior Loan Administration Manager, Senior approver and credit manager for PA Mid-Atlantic region as well as West Virginia and Kentucky, from April 2016 through December 2018. Senior Executive Vice President, Chief Risk Officer and Chief Credit Officer for National Penn Bank the banking subsidiary of National Penn Bancshares, Inc., from January 2013 until its merger with BB&T in April 2016. Senior Vice President, Risk Management Division, various credit roles, five state oversight for more than 20 years. Ms. Bodnyk serves as Vice Chair of the Board of Trustees of Muhlenberg College. Ms. Bodnyk serves as a Director of Lehigh Valley Industrial Park. Ms. Bodnyk has served as Chair the Lehigh Valley Community Foundation, Vice Chair of Good Shepherd Rehabilitation Network, Board member and Treasurer of United Way of the Lehigh Valley, Treasurer of Northeastern Pa Synod of the Evangelical Lutheran Church and has served as board member for various regional nonprofit institutions.

Joseph T. Wright, Jr. Mr. Wright has been a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2009. Mr. Wright has been a partner with the law firm of Wright, Reihner & Mulcahey (formerly Wright & Reihner PC) since 1980.

James B. Nicholas has been a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2013 in connection with the consummation of our merger with Penseco Financial Services Corporation in November 2013. Prior to that, Mr. Nicholas served as a director of Penseco Financial Services Corporation and Penn Security Bank and Trust Company from 1981 through 2013. Mr. Nicholas served as the President of D.G. Nicholas Co., a wholesale auto parts company located in Scranton, Pennsylvania, from 1990 until 2022. Since 2022, Mr. Nicholas is the President of DG Nicholas, a real estate company located in Scranton, Pennsylvania.

Ms. Kathleen McCarthy Lambert, C.P.A. was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Ms. Lambert served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 2017. Ms. Lambert is an owner of McCarthy Tire Service Company and Subsidiaries where she serves as Chief Financial Officer and Corporate Secretary. Ms. Lambert serves as a Board Member for Tenor Health Foundation and Vice Chairperson of the Board of King's College, and Board Member of the Beatrice Eck Foundation. Ms. Lambert is a member of the Executive Committee and past Chairman of the Board of Northeast Sight Services, past Board Member of the Greater Wilkes-Barre Chamber of Business and Industry, and current member of the Scranton Diocesan Financial Council. Ms. Lambert is also actively involved in fundraising activities for numerous non-profit organizations, including the United Way, American Heart Association, St. Vincent DePaul Soup Kitchen, King's College, the Catholic Youth Center, Holy Redeemer High School, John Heinz Rehab, Big Brothers/Big Sisters and Volunteers in Medicine. She is a licensed Certified Public Accountant and a graduate of King's College,

Ronald G. Kukuchka has been a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company since 2007. Mr. Kukuchka served as the President of Ace Robbins, Inc. from 1982 until June 2025. Mr. Kukuchka served as a Director for the Pennsylvania Petroleum Association. Mr. Kukuchka serves as a Director of the Tunkhannock Fireman's Relief Association. Mr. Kukuchka serves as a trustee of the Roy Piper Charitable Trust.

Mr. Keith W. Eckel was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. Eckel served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 2014. Mr. Eckel is the sole owner and Chief Executive Officer of Fred W. Eckel and Sons and President of Eckel Farms, Inc. Mr. Eckel is an Emeritus Trustee of The Pennsylvania State University and previously served as the chair of the Trustees of Countryside Community Church. Mr. Eckel formerly served as Board member and Chairman of Nationwide Mutual Insurance Company, a Fortune 100 insurance provider, and Allied Group, Inc., a subsidiary of Nationwide Mutual Insurance Company. Mr. Eckel previously served as a Board Member of the International Food and Agricultural Development Organization, which advises the United States Agency for International Development on agricultural priorities and issues. Mr. Eckel is a former President of the Pennsylvania Farm Bureau, a former Board Member of the American Farm Bureau and its Executive Committee. Mr. Eckel also served as Chairman of Gartmore Global Asset Management Trust.

Mr. Joseph L. DeNaples was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. DeNaples served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 2017. Mr. DeNaples is a partner at the law firm of Cipriani & Werner, PC and is Director of Risk Management for Mount Airy Casino Resort. He focuses his law practice in banking, commercial, real estate, gaming, corporate, secured transactions and bankruptcy law. Mr. DeNaples also serves as Solicitor for both the Lackawanna County Sheriff's Office and the County of Lackawanna Transit System Authority. Mr. DeNaples is a member of the Lackawanna County Bar Association and is admitted to practice in Pennsylvania as well as the United States District Court for the Middle District of Pennsylvania and the United States Bankruptcy Court for the Middle District of Pennsylvania. Mr. DeNaples serves on the Boards of Northeastern Pennsylvania Council Scouting America and the Saint Francis of Assisi Kitchen.

Mr. William G. Bracey was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. Bracey served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 2014. Mr. Bracey owns and operates three ShopRite Supermarkets, one in Daleville, Pennsylvania, one in Moosic, Pennsylvania and one in Mount Pocono, Pennsylvania, as well as several retail businesses including two Ace Hardware Stores, one in Daleville, Pennsylvania and one in Moosic, Pennsylvania, one Hallmark Gold Crown Store, and Plociniak Fuel Services. Chairman of the Pennsylvania Food Merchants. Past board member and Chairman of Affiliated Foods. Past board member and Co-Chairman of Associated Wholesale. Past board member of Scranton Preparatory School.

Mr. William P. Conaboy was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. Conaboy served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since October 2022. Mr. Conaboy currently serves as President and Chief Executive Officer of Allied Services Integrated Health System and has served in this role since 2009. Prior to serving as President and Chief Executive Officer of Allied Services Integrated Health System between 1992 and 2008. Mr. Conaboy served in various capacities including Senior Vice President and General Counsel, Chief Corporate Compliance Officer and Chief Operations Officer. Mr. Conaboy presently serves as a member of the Board of Directors of The Scranton Area Foundation, as well as a member of the Board of Directors of the Northeast Regional Cancer Institution. He formerly served as Chair of the Board of Trustees of Lackawanna College.

Mr. Louis A. DeNaples was appointed as a director and Vice Chairman of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. DeNaples served on the boards of directors of FNCB Bank since 1972 and served as Chairman of the Board of Directors of FNCB Bancorp, Inc. from 1998 until February 2008. In 2013, Mr. DeNaples returned FNCB Bank's Board on December 23, 2013. Mr. DeNaples was re-elected to FNCB Bancorp, Inc.'s Board of Directors on May 21, 2014 and was appointed Chairman of the Boards of FNCB Bancorp, Inc. and FNCB Bank on May 15, 2019. Mr. DeNaples is the President of DeNaples Auto Parts, Inc., the President of Keystone Landfill Inc., and Vice-President of Rail Realty, Inc., each of which he co-owns with his brother, Dominick L. DeNaples. Board member of AllOne Charities. Board member of AllOne Health Resources. Board member of Allied Services Foundation. Chairman of the Community Advisory Board for Geisinger Commonwealth School of Medicine. Board member of NEPA Highmark's Advisory Board. Past Chairman of the University of Scranton Board of Trustees.

Mr. Joseph Coccia was appointed as a director of Peoples Financial Services Corp. and Peoples Security Bank and Trust Company as of July 1, 2024, in accordance with the FNCB merger agreement. Prior to the FNCB merger, Mr. Coccia served on the boards of directors of FNCB Bancorp, Inc. and FNCB Bank since 1998. President of Coccia Ford, Inc (doing business as Coccia Ford Lincoln), a car dealership in Wilkes-Barre, Pennsylvania. Member of the Board of Directors of AllOne Charities and NEPA Highmark's Advisory Board. Served on the Lincoln Mercury Dealer Association Board.

AMY E. VIENEY, Executive Vice President and Chief Human Resource Officer of Peoples and Peoples Security Bank and Trust Company effective February 27, 2026. Prior to that appointment to her current position, Ms. Vieney served as Senior Vice President and Chief Human Resource Office of Peoples and Peoples Security Bank and Trust Company since June 2022. In her role, Ms. Vieney leads the organization's Human Capital Management function, driving talent strategy and building programs that attract, develop, and retain high-performing teams. Partners closely with executive leadership to ensure people initiatives align with business objectives while fostering an inclusive culture. Prior to her role with Peoples Security Bank and Trust, she served as Senior Director, Human Resources at St. Luke's University Health Network, headquartered in Bethlehem, Pennsylvania. Ms. Vieney serves on the Board of Directors for the United Way of Wyoming Valley and the Outreach Center for Community Resources.

NEAL D. KOPLIN, Senior Executive Vice President and Chief Banking Officer of Peoples and Peoples Security Bank and Trust Company. Mr. Koplin was appointed to his current position in December 2019. In this role, he oversees banking operations across multiple regions, including Northeastern Pennsylvania, the Lehigh Valley, Greater Delaware Valley, Central Pennsylvania, New Jersey, and New York. He is responsible for the Bank's full suite of personal and business banking services, including real estate, home mortgages, consumer lending, deposit and cash management solutions, and investment products. Prior to his current position, Mr. Koplin served as Executive Vice President and Lehigh Valley Region President from August 2014 to December 2019. Before joining Peoples Security Bank and Trust Company, he spent over 30 years at National Penn Bank, where he held various executive positions. Mr. Koplin has been actively involved in numerous community and economic development initiatives. He currently serves as President of the Board of Directors for Home Easton, President of the Board of Eastern Pennsylvania Community Financial Services , as a board member of the Lehigh Valley Economic Development Corporation and as a board member of Lehigh Valley Industrial Park. Mr. Koplin holds a Bachelor of Arts degree in Accounting from Moravian University.

JAMES P. CHIARO, CMFC, AIF, was appointed to Executive Vice President and Chief Investment Services Officer of the Company and the Bank effective July 1, 2024. In his current role, Mr. Chiaro is responsible for the overall management, strategy, growth and operating results for Peoples Security Wealth Advisors. From September 2022 until the FNCB merger, he was Executive Vice President and Chief Investment Services Officer of FNCB. Mr. Chiaro has over 20 years of experience in the financial services industry and prior to joining FNCB, Mr. Chiaro was the principal of Chiaro Investment Services, LLC since August 17, 2017. Mr. Chiaro holds the designation of Chartered Mutual Fund Counselor (CMFC) & Accredited Investment Fiduciary (AIF). Mr. Chiaro also holds the following Investment and Insurance Licenses (securities registrations held through LPL Financial): General Securities Representative (Series 7); Uniform Investment Advisor Representative (Series 65); Investment Company Products/Variable Contracts Representative (Series 6); Uniform Securities Agent State Law (Series 63); and Pennsylvania Life Insurance License.

SUSAN L. HUBBLE, Executive Vice President, Chief Information Officer of the Company and the Bank. Ms. Hubble was appointed to her current position in December 2019. Prior to that, she was Senior Vice President, Senior Information Technology Officer, since April 2019. Prior to that, she was Vice President, Information Technology Officer since July 2014. From 1999 - 2014 she served in various Information Technology positions at the bank. Prior to 1999 she served as an IT Consultant, worked on process improvement projects and led Information Technology for ABB at their Elmira NY manufacturing facility. She also served for three years on the Pennsylvania Bankers Association Women in Banking Committee.

MARY GRIFFIN CUMMINGS, ESQUIRE, was appointed to Executive Vice President and General Counsel of the Company and the Bank effective July 1, 2024. From October 2012 until the FNCB merger, Ms. Cummings served as Executive Vice President and General Counsel of FNCB Bancorp, Inc. and FNCB Bank. Prior to joining FNCB, from May 2000 to May 2009 Ms. Cummings was Associate General Counsel, Resident Counsel and General Counsel for Wyoming Valley Health Care System, Inc. (WVHCS), a large health care system previously located in Wilkes-Barre, Pennsylvania. Thereafter, until October 2012, Ms. Cummings served as legal consultant for winding down the liabilities and obligations of the Wyoming Valley Health Care System, Inc. pursuant to the asset sale to Wilkes-Barre Holdings, LLC, a subsidiary of CHS/Community Health Systems, Inc. Also, during this time, Ms. Cummings practiced law both in her own private practice and for Wyoming Valley Health and Education Foundation and WVHCS Retention Company. Ms. Cummings is a Pennsylvania licensed attorney and admitted to practice law in the Courts of the Commonwealth of Pennsylvania and the United States District Court for the Middle District of Pennsylvania. She is a member of the Wilkes-Barre Law and Library Association and the Pennsylvania Bar Association. Ms. Cummings serves on the Board of Directors of the PA Bankers Services Corporation and the Board of Governors, serving as Chairperson, of Bankers Settlement Services-Capital Region, a title agency wherein Peoples Security Bank and Trust Company holds an equity interest. Previously, Ms. Cummings served as Chair and Board member of the Catherine McAuley Center, Scranton, PA and is currently a member of the Board of Trustees for Misericordia University, Dallas, PA and a Board Member and Chair of the Nominating and Governance Committee for the McGlynn Learning Center, Wilkes-Barre, PA. Additionally, Ms. Cummings serves as Chair and a Board member on the Northeastern PA Board of Directors of the American Red Cross and is a life-time member of the Pennsylvania State University Alumni Association.

STEPHANIE A. WESTINGTON, CPA, was appointed Executive Vice President and Chief Accounting Office of Peoples and Peoples Security Bank and Trust Company effective February 27, 2026. Prior to that appointment to her current position, Ms. Westington served as Senior Vice President and Chief Accounting Office of Peoples and Peoples Security Bank and Trust Company since April 1, 2025. Prior to that, Ms. Westington served as Senior Vice President and Chief Profitability Officer of the Bank from the consummation of the Company's merger with FNCB Bancorp., Inc. on July 1, 2024. From January 2022 until the merger, Ms. Westington served as Senior Vice President and Chief Accounting Officer of FNCB Bank, and from July 2012 to January 2022, served as Senior Vice President and Controller of FNCB Bank. Prior to joining FNCB Bank, Ms. Westington was Director of Finance for Physicians Health Alliance, a physician's group that was a member of the former Moses Taylor Health Care System, from March 2011 to July 2012. Ms. Westington is a licensed Certified Public Accountant and has previous banking experience from her time as Vice President of Finance at the former Community Bank and Trust Company from January 1998 to March 2011 and Assistant Vice President and Controller at the former LA Bank, N.A. from September 1990 to December 1997. Ms. Westington previously served on the Board of Trustees of the Howard Gardner Multiple Intelligence Charter School, Scranton, PA from 2017 to 2024 serving as President from 2021 - 2024 and Treasurer from 2018 to 2021.