b'STATEMENTS OFLEA DERSHIP TEAMCONDITION BOARD OF DIRECTORSHarold C. Wibling, ChairmanGary W. Hawley, Vice ChairmanPaul P. DintoRobert J. Kornhaas, Jr.Ralph A. McIntosh, Jr.Donald D. MitchellMartin G. MorgadoJune A. RenzulliChristopher C. SetaroEXECUTIVE OFFICERSSAVINGS BANK OF DANBURY BOARD OF DIRECTORS Martin G. Morgado, President & Chief Executive OfficerNicholas J. Gazetos, Executive Vice President, Chief Lending Officer, CAO David H. Woessner, Executive Vice President, CFOThomas D. Iskrzycki, Senior Vice President, Director of Retail BankingFIRST VICE PRESIDENTRalph Richards, Commercial BankingSENIOR VICE PRESIDENTSKathleen Zembrzuski, Residential LendingPatrick Kelley, Commercial LendingVICE PRESIDENTSCaroline Corbett, Human ResourcesSAVINGS BANK OF DANBURY EXECUTIVE TEAM Loris Eminente, MarketingBeth Ann Fetzer, Community Development/CRA OfficerJacqueline Hasenauer, Commercial BankingStephani Hayes, Commercial BankingRichard Howells, Chief Compliance OfficerPenn Johnson, President/Stamford MortgageRaymond Kostka, Commercial BankingJames Koulouris, Secondary Marketing & Quality ControlLorie McCormack, Collections/HMDA/CRAJames Moran, Mortgage Sales ManagerMary Schmelcke, VP Deposit Ops and Loan ServicingLynn Sussina, Credit Risk ManagerLawrence Thompson, Commercial BankingDonald White, AccountingCharles Williams, Security/Facility Officer2018 ANNUAL REPORT 9'