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Brian K. Gray has served as First Senior Vice President and Retail Banking and Marketing Officer of the Bank since October 2003. He served as Senior Vice President and Retail Banking and Marketing Officer of the Bank from January 2003 to September 2003, as Senior Vice President and Marketing Officer of the Bank from January 2001 to December 2002, and as Vice President and Consumer Lending Officer of the Bank from October 1999 to December 2000. | 