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Richard Merzbacher has been President of the Company since 1997. Mr. Merzbacher was Executive Vice President from 1987 to 1997. He served as Senior Vice President and Senior Lending Officer from 1981 to 1987. Mr. Merzbacher received a MBA in Finance from Long Island University and a BA in Economics from St. Francis College. Mr. Merzbacher is past Chairman of the Nassau County Chapter of the American Red Cross and a former Officer and Director of the Long Island Chapter of the Institute of Management Accountants. Currently, Mr. Merzbacher is a member of the Government Affairs Committee of the New York State Business Council and a member of the Robert Morris Associates. Mr. Merzbacher is Chairman of the Long Island Group of the New York Bankers Association and serves on the Board of Directors of the Statewide Zone Capital Corporation and the New York State Bankers Service Corporation. Mr. Merzbacher was recently appointed to the Board of Directors of the Independent Bankers Association of New York State. He serves as the Treasurer of the Boys and Girls Club of Oyster Bay-East Norwich and also sits on the Finance Committee of St. Kilian Parish and the President's Council of Big Brothers and Sisters of Long Island. | 