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F I D E L I T Y D & D B A N C O R P, I N C . 2 0 1 9 A N N U A L R E P O R T
you.
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
Message to our Valued Shareholders:
The Board of Directors and the Fidelity Bankers
are very pleased to report that the Company
ended the year with net income of $11.6 million,
or $3.03 diluted earnings per share. The Fidelity
Bankers continue to execute a strategic vison that
provides retail and business clients with financial
products and services based upon their needs.
The strategic focus on building mutually
beneficial relationships with clients and creating
financial success for all key stakeholders continues
to generate growth in loans, deposits, non-interest
income, and capital, producing exceptional
shareholder value. In September, for the first
time in the Company’s 118-year history, total
assets exceeded $1 billion. The continued
commitment to provide clients with an
exceptional experience and to build long-lasting
relationships through a value-added banking
experience has both differentiated and elevated
the Fidelity Bank brand from its competition.
The current economic expansion, which began
roughly a decade ago, became the longest in
United States history in 2019, surpassing the
previous record that lasted from March 1991
through March 2001. As the year came to a close,
America had a highly employed, but slowing
economy. The nation’s unemployment level
ended the year at nearly a 50-year low at 3.7%,
with wages rising. Going into 2019, the
expectations were that the Federal Open Market
Committee (FOMC) would continue to increase the
federal funds target. However, in response to a
slowing economy in July 2019, the FOMC made a
mid-cycle correction by reducing the federal
funds target in a series of three steps, by 0.25%
each time. The FOMC’s move to lower interest
rates put additional pressure on the decreasing
net interest margins of financial institutions.
Throughout these mixed economic results, the
banking industry continued to maintain strong
earnings and asset quality.
Moving Forward
Net income increased to $11.6 million for 2019,
a 5% increase over 2018, establishing another historic
year for the Company. Excluding the one-time,
merger-related acquisition costs incurred in
conjunction with the acquisition of the Merchants
Bank of Bangor and the assumption of Jonestown
Bank & Trust’s (JBT) Trust Department assets, core
net income (non-GAAP) for 2019 was $12 million,
or $3.14 diluted earnings per share, a 9% increase
over 2018. The return on average assets and
return on average equity continued to be strong
at 1.22% and 11.90% respectively.
In December, the Company announced that
Fidelity Bank would be acquiring Merchants Bank
of Bangor, a $415 million community bank
operating nine branches in the Lehigh Valley. The
merger was approved unanimously by both
Banks’ Board of Directors. Once the merger
obtains the necessary regulatory and shareholder
approvals, Fidelity Bank will operate 21 retail
community banking offices in Northeastern and
Eastern Pennsylvania. With greater scale and
increased capital, the Company will continue to
enhance its delivery of products, services, and
digital channels to meet the financial needs of
clients and the marketplace.
Fidelity Bank continues to invest in the growth
and success of the Wealth Management Division,
Trust and Financial Services. In the 2nd quarter of
2019, Fidelity Bank hired seasoned Banker and
Wealth Management Executive Nicholas Parise as
the Director of Wealth Management. The addition of
Mr. Parise, to go along with the already dedicated
and knowledgeable Trust and Financial Services
Team, positions the Division for further growth and
success. The Bank’s strategic focus on partnering
with clients to create long-term financial success will
continue to be enhanced by the service levels and
products provided by the Wealth Management
Division. The Wealth Management Division achieved
a record level of assets under management of $436
million and $2.3 million in revenue in 2019.
In the third quarter of 2019, the Fidelity Bank
Wealth Management Division assumed the
ownership of the JBT’s $34 million in fiduciary assets.
Fidelity Bank and JBT have forged an ongoing
partnership where JBT’s bankers will refer clients
seeking custodial, fiduciary, or trust services to
Fidelity Bank. The assumption of JBT’s trust assets
will provide increased revenue and scale, resulting in
profitable growth.
Fidelity Bank continued its ongoing de novo
branch expansion in Luzerne County. In January
2019, the Bank celebrated the grand opening of the
Back Mountain Office, located in Dallas, Pennsylvania,
and in October 2019, celebrated the grand opening of
the Mountain Top Office. Entering the two new
marketplaces allows Fidelity Bank to bring the
relationship banking model and the Fidelity Banker’s
commitment to partnering with their clients to the
Back Mountain and Mountain Top markets, all the
while providing an extraordinary client experience.
Fidelity Bank has maintained its position as a
market leader in Northeastern Pennsylvania by
originating more than 3,100 loans, totaling over $240
million. It has continued to achieve strong
originations across all portfolios: commercial
and business banking, residential mortgage
lending, and consumer lending. As of
December 31, 2019, the Company achieved a
record year-end level of loans in excess of $755
million, a 3% increase over the prior year.
The growth in the loan portfolio was funded
by a strong inflow of new deposits. As of
December 31, 2019, the Company achieved a
record year-end level of deposits. Total year-to-date
average deposits increased by $55.5 million, or by
7% when compared to 2018 year-to-date deposits.
The growth in loans and deposits has enabled the
Company to increase net interest income by $1.3
million. The Company’s focus on collecting fees for
services provided pushed non-interest income to
a record level. Total non-interest income for 2019
was $10.2 million, or an 11% increase when
compared to 2018.
The Exceptional Client Experience
The Fidelity Bankers are the Company’s
most valued assets. A great client experience
must begin with engaged and knowledgeable
bankers. Through the support of the Board of
Directors, the Company continues to invest a
considerable amount of time and money in the
training, education, and professional
development of the Fidelity Bankers. Their
unwavering commitment to continuous
learning and improvement has made it
possible for the Company to continue to reach
new heights. In 2019, the Fidelity Bankers
participated in more than 7,200 hours of
internal training, seminars, and conferences.
In 2019, and for the second year in a row,
Fidelity Bank was rated as one of the top 3
banks by Forbes from over 200 banks operating
branches in the Commonwealth of
Pennsylvania. Fidelity Bank’s survey score is a
direct reflection of customer opinion and
satisfaction, from both in-branch and online
perspectives. This recognition is most
important, as it measures the client experience
and is a leading indicator, rather than the typical
financial measurements, which are lagging
indicators. The Forbes Magazine recognition
validates that the experience the Bank provides
its clients is a key differentiator of Fidelity’s
ability to achieve strong financial performance.
In addition, for the third year in a row
Fidelity Bank has been voted the “Best Bank”
by the readers of the Scranton Times. This
recognition is further evidence of the unique
and satisfied customer solutions that the
Fidelity Bankers continue to deliver.
As the Company grows and the banking
industry continues to evolve rapidly with new
technology, products, services, and regulations,
the valued input of all Fidelity Bankers will
produce continued success for the client,
shareholder, and communities.
Innovation Has Driven Growth
The Fidelity Bankers’ commitment to the
clients’ financial success is the foundation of the
Company’s continued growth. Clients expect
speed, frictionless experience, security, and
convenience in every banking activity, both online
and offline. Fidelity Bank continues to invest in the
evolution of the digital banking experience,
including omnichannel solutions designed to
exceed client expectation in-branch or online. The
Company believes that its relationships will not
disappear in the digital world as it continues to
partner with and provide the client with the right
financial solution.
During the first quarter of 2019, the Bank
launched a new digital mortgage and home equity
loan origination platform. This platform provides
the client with real time access to mortgage and
home equity lending as well as the ability to apply
on-line, from the comfort of home or in-branch, with
the assistance of a Fidelity Banker. Push notifications
via text messages will apprise applicants of their
status, removing any uncertainty. In 2019, mobile
and on-line loan applications increased to 182, a 152%
increase over 2018.
In 2019, the Company continued to experience
growth in consumer households and with business
clients, while the number of transactions per branch
declined. Mobile application and mobile deposit
users increased by 61% and 45% respectively. The
Company is committed to staying abreast of the
ever-evolving digital banking platforms that the
clients need and demand.
Creating Long Term Sustainable Shareholder Value
Shareholder value is created by a balance
sheet consisting of adequate reserves, strong
capital levels, favorable asset quality, robust
core deposit base, and continuous earnings
growth. The investment community has
recognized the franchise value that the
Company has created over the last five years.
The shareholder return over this period was
3
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
265%, elevating the Company to second place
(#2) of all publicly traded banks headquartered
in the United States.
The total dividend for 2019 was $1.06 per
share as compared to $0.98 per share, an 8%
increase over 2018, and the fifth consecutive
year that the Company increased its dividend
payment to the shareholder.
The Company’s strong financial
performance exceeds both its local and
national peers. For the fifth straight year, the
Bank has earned a five star “Superior” rating
for safety and soundness from the
independent national rating agency, Bauer
Financial. In addition, for the sixth straight
year the Bank was recognized by the American
Bankers Association as one the top 200
Community Banks in the nation, based upon a
three-year average return on equity.
Building for the Future
As a community bank, headquartered in
Northeastern Pennsylvania, it continues to play
a major role by strengthening and impacting
the communities it serves by giving back its
time, talent, and treasure. The Company, along
with the Fidelity Bankers, continues to be one
of the largest charitable contributors in the
region. In 2019, the Company and the Fidelity
Bankers’ annual United Way campaign, headed
by Mary McNichols, Human Resources Director,
achieved a record level of contributions.
The Fidelity Bankers are committed to
serving the communities and making them a
better place to live, work, play and pray. The
Bankers are provided with volunteer time off
to serve the community and its causes they are
passionate about. The Fidelity Bankers’ have
provided their time and talent to a countless
number of non-profit organizations. In 2019,
the Fidelity Bankers contributed approximately
2,000 hours of volunteer hours to local
community organizations, including serving St.
Francis of Assisi Soup Kitchen, Friends of the
Poor, and United Day of Caring, just to name a few.
The Company has been a significant
contributor to pre-K programs, area primary
and secondary schools, universities, and
financial literacy. The Company has provided
scholarships and financial literacy programs to
schools and students throughout the area. The
programs have enabled students to attend
educational programs that they would
otherwise not have been able to afford. Over
the last five years Fidelity Bank has contributed
over $2.6 million to local schools and children
throughout Northeastern Pennsylvania.
Executing Our Vision
As the Company looks to the future, the
Bank will focus on the successful integration of
Merchants Bank and will work to increase
market share in its existing markets. Once the
merger is complete, Fidelity Bank will operate
21 retail community banking offices in
Northeastern and Eastern Pennsylvania. During
its 130-year history, Merchants Bank has been
an outstanding banking partner to its client
base and community. The merger of two
strong, long-standing financial institutions will
provide increased scale and capital to meet
more effectively the needs of the Fidelity
Bankers, clients, shareholders, and community.
In addition, the Lehigh Valley demographics
and strong economic climate provide
enhanced growth opportunities.
Continued effective management of assets
and income will enhance long-term
shareholder value. Fidelity Bank is proud to
have created a highly regarded and powerful
brand. A strong relationship management
strategy will continue to evolve as all
generations become more technologically
savvy. The Company is committed to
continuing to invest in the digital and
traditional banking channels.
The Company’s belief is that clients will
continue to migrate to digital channels for
transactional activities, while seeking the
advice of trusted financial partners for more
complex financial needs. Research shows that
clients still prefer to be “in branch” for more
complex financial needs. Fidelity Bank offices
are staffed with knowledgeable, trusted
personal bankers who are empowered with
resources, technology and capabilities to
handle complex client needs and who deliver
an extraordinary client experience.
The need to continue to invest in
technology that meets the client’s demand
and creates operational efficiencies has never
been greater. At the same time, cyber security
incidents appear in the news almost nightly.
The Company’s priority remains to protect the
client’s information by continuing to invest in
and tighten the security around all information
technology systems.
A well-integrated wealth management
solution will create great value for clients and
additional long-term shareholder value.
Looking across the broad base of clients, and
identifying those with the greatest need for
wealth management products and services,
will drive continued growth in assets under
management and revenue. In addition, we
will continue to invest in the necessary human
capital and systems to ensure that the Wealth
Management offering meets and exceeds
client expectations.
What Drives Fidelity
The Company retains 200 Fidelity Bankers
who are passionate and committed to building
relationships, creating long-term shareholder
value, building a sense of community, and
delivering success to all stakeholders. As we
continue to go forward, the Company will strive
to provide an extraordinary customer
experience. The Fidelity Banker will continue to
put the clients’ interests first, to meet their
specific financial needs, and to provide high
value. The Fidelity Bankers are committed to
being true to the mission of a community bank
dedicated to the sustainability of its community.
All stakeholders can be proud of the
accomplishments and direction of the Company.
Sincerely,
Brian J. Cali,
Chairman of the Board
Daniel J. Santaniello,
President and Chief Executive Officer
Board of Directors (L to R): Richard J. Lettieri, Director; Kristin D. O’Donnell, Director; David L. Tressler, Sr., Director; Brian J. Cali, Chairman; Daniel J. Santaniello,
President and Chief Executive Officer; Mary E. McDonald, Assistant Secretary; Patrick J. Dempsey, Past Chairman; Michael J. McDonald, Vice Chairman; William J.
Joyce, Director; John T. Cognetti, Secretary.
4
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
FINANCIAL HIGHLIGHTS
Assets
(Dollars in millions)
Total Loans & Leases, Net
(Dollars in millions)
Deposits
(Dollars in millions)
Shareholders’ Equity
(Dollars in millions)
Net Income
(Dollars in millions)
Dividends Per Share
(Dollars)
1025
1000
975
950
900
850
800
775
750
725
700
675
$1,010
750
700
650
600
550
500
450
400
350
300
250
200
$745
835
800
775
750
720
700
670
630
590
550
535
520
$836
110
105
100
95
90
85
80
75
70
65
60
55
$107
12
11
10
9
8
7
6
5
$11.6
1.06
1.00
.95
.90
.85
.80
.75
.70
.65
.60
$1.06
’15
’16
’17
’18
’19
’15
’16
’17
’18
’19
’15
’16
’17
’18
’19
’15
’16
’17
’18
’19
’15
’16
’17
’18
’19
’15
’16
’17
’18
’19
(dollars in thousands except per share data) Amount
% Change
Amount
% Change
2019
2018
For the Year
Net Interest Income
Net Income
Cash Dividends
Return on Average Assets
Return on Average Equity
Net Interest Margin
Per Share
Net Income - Diluted
Cash Dividends
Book Value
$
$
$
31,715
11,576
4,037
1.18%
11.49%
3.52%
$
$
$
3.03
1.06
28.25
Average Shares Outstanding
3,779,582
At Year End
Assets
Earning Assets
Investment Securities
Total Loans & Leases, Net
Deposits
Borrowings
Shareholders’ Equity
$
1,009,927
$
$
$
$
$
$
941,960
185,117
745,306
835,737
52,839
106,835
4.1%
5.2%
8.9%
4.4%
8.2%
13.5%
0.7%
2.9%
2.4%
1.3%
2.9%
8.5%
-51.1%
14.2%
$
$
$
30,457
11,006
3,708
1.20%
12.36%
3.59%
$
$
$
2.90
0.98
24.89
9.4%
26.3 %
12.9%
24.5%
11.4%
6.4%
$
$
$
$
$
$
$
981,102
920,082
182,810
724,024
770,183
108,070
93,557
13.6%
13.9%
16.2%
13.1%
5.5%
172.2%
7.1%
0.7%
Shares Outstanding
3,781,500
0.6%
3,759,426
Ratios
Net Loans to Deposits
89.18%
Non-performing Assets to Total Assets
0.50%
Equity to Assets
Tier I Risk-Based Capital
Total Risk-Based Capital
10.58%
14.51%
15.76%
94.01%
0.64%
9.54%
13.50%
14.75%
3,752,704
1.1%
3,711,490
2017
Amount
$
$
$
27,841
8,716
3,285
1.03%
10.34%
3.66%
$
$
$
2.33
0.88
23.40
$
$
$
$
$
$
$
863,637
808,004
157,385
640,353
730,146
39,706
87,383
2016
Amount
2015
Amount
$
$
$
$
$
$
$
$
$
$
$
$
$
25,137
7,693
3,061
1.02%
9.64%
3.68%
2.09
0.83
21.91
3,679,507
792,944
746,019
130,037
598,395
703,459
4,223
80,631
$
$
$
$
$
$
$
$
$
$
$
$
$
23,485
7,103
2,844
1.00%
9.55%
3.68%
1.94
0.77
20.83
3,658,687
729,358
681,283
125,232
553,390
620,675
28,204
76,351
3,734,478
3,680,707
3,665,107
87.70%
0.73%
10.12%
13.70%
14.95%
85.06%
1.33%
10.17%
13.62%
14.90%
89.16%
1.76%
10.47%
13.71%
14.99%
5
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
WHAT
DRIVES
US? Delivering an exceptional
banking experience.
Whether it’s obtaining the best terms
for a mortgage loan, developing a
customized financial plan, or providing
the resources to help a business
thrive, Fidelity Bankers are driven to
deliver an exceptional banking
experience to each and every
client – an experience grounded in
trust, knowledge, exemplary service
and expert advice.
Their commitment to each client
relationship has been recognized by
both the local community and by
Forbes Magazine. For the past six out
of seven years, Scranton Times readers
have voted Fidelity Bank “Best Bank”
in the marketplace, and for the
second consecutive year, Forbes
Magazine has named Fidelity Bank a top
three “America’s Best-In-State Banks for
2019” in Pennsylvania, based on
client satisfaction.
Achieving client experiences that are
second to none is the result of engaged
bankers dedicated to continuous
learning and improvement, and of the
Bank’s full commitment to their
professional development as trusted
financial advisors.
By putting clients’ interests first,
meeting their specific financial needs,
and consistently providing them with
value, Fidelity Bankers are creating
truly exceptional banking experiences
and long-lasting client relationships.
6
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
WHAT
DRIVES
US. Building a partnership
for financial success.
The financial success of Fidelity Bank’s
clients is the foundation of the Bank’s
continued growth. The more
successful our clients, the more
successful Fidelity Bank.
By providing valuable and trusted
financial advice, Fidelity Bankers are
creating deeper and broader
relationships with clients and building
solid partnerships for financial success.
Set in a lush 5,500-acre estate, since
1928, Skytop Lodge has offered its
guests a unique escape, where they can
enjoy the area’s natural beauty in a
luxurious historic setting. As Skytop
looked to the future, they sought a
trusted financial advisor that would help
facilitate their long-term growth strategy.
Before offering solutions, Fidelity
Bank’s Relationship Managers studied
the industry in depth and engaged in
high-value, consultative conversations
with Skytop’s management. Having
gained a solid understanding of the
resort’s needs, they identified specific
solutions that would help achieve
Skytop’s future goals.
The Fidelity Bankers’ approach to
providing needs-based financial
solutions grounded in a thorough
understanding of the client has
resulted in a strong client relationship
and a mutually beneficial partnership
built on trust.
9
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
WHAT
DRIVES
US? Creating long-term
sustainable value.
Fidelity Bank’s strategic approach of
delivering value to clients through
client-centricity and successful
relationship management has continued
to create strong financial results and
long-term shareholder value.
For the sixth consecutive year, the
American Bankers Association has
recognized Fidelity Bank as one of the
“Top 200 Community Banks in the
Country” for achieving a three-year
return on average equity (ROAE) of
10.78%. The ROAE ranked Fidelity
Bank as the 95th most profitable
publicly traded community bank in the
nation in 2018 (from over 600 community
banks with assets less than $2 billion).
For the first time in the Bank’s
118-year history, total assets have
exceeded $1 billion. This sustained
revenue growth has allowed for further
strategic expansion as well as for
meaningful investments in digital
technology. Fidelity Bankers have
focused their attention on giving
clients the digital channels that allow
them the convenience of banking
anywhere, anytime. The expansion of
the Bank’s digital capabilities has
allowed Fidelity Bankers the time to
engage in high-value conversations
focused on clients’ financial needs.
With the 2019 opening of the Back
Mountain branch in Dallas, PA and of
the Mountain Top, PA branch in lower
Luzerne County, Fidelity Bank has
continued its expansion into Luzerne
County. Fidelity Bank has also
assumed all the trust and investment
accounts of Jonestown Bank’s Trust
Department, adding $34 million in
assets under management. Additionally,
Jonestown Bank will serve as a
referral source for future wealth
management business.
Guided by Fidelity Bank’s values and
its mission to make a long and lasting
contribution to all its stakeholders,
Fidelity Bankers will continue building
on these principles, executing the
strategic plan for long-term sustainable
shareholder value, and creating
exceptional client experiences.
10
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
WHAT
DRIVES
US.Building the Future
As a community bank, Fidelity Bank is
committed to strengthening the
communities we serve and to building
a better future for families and
businesses.
A strong advocate of programs that
enhance children’s learning, the Bank
is a supporter of the Greater Scranton
YMCA’s Summer Scholars Program.
Fidelity Bank’s support has made it
possible for the organization to
purchase a van that provides
transportation to children so they can
attend the academic enrichment program.
To encourage communities to explore
new ideas for community revitalization,
the Bank has created the IMPACT
Grant Program. Based on a community
vote, a $15,000 Fidelity Bank IMPACT
Grant has been awarded to the Back
Mountain Memorial Library for
presenting the best idea to move the
Back Mountain community forward.
The library is using the grant to update
the children’s area and to buy new
computers.
Each day, Fidelity Bankers put their
commitment to build a better future
for communities into action through
volunteer efforts and donations. Working
with local charitable organizations and
non-profits, approximately 3,000
hours of Fidelity Bankers’ time has
been donated this year to groups
dedicated to uplifting the lives of area
residents, while the Bank has awarded
over $718,000 in donations and
sponsorships to these groups.
At the heart of every thriving community,
there is a strong community bank fully
committed to its success. All 200
Fidelity Bankers have wholeheartedly
made that commitment.
13
WHAT DRIVES US | F I D E L I T Y D & D B A N C O R P , I N C . | 2 0 1 9 A N N U A L R E P O R T
Products & Services
Consumer Deposit Products
• Start Fresh Checking
• First Step Checking
• Reliance Checking
• Relationship Checking
• Performance Checking
• Platinum Checking
• Money Market Deposit Accounts
• Optimum Choice Savings
• Statement Savings
• Green Team Savings
• Scholar Savings
• IRA Certificates of Deposit
(Fixed & Variable Rate)
• IRA Optimum Savings
• Certificates of Deposit
• CDARS/ICS Programs
• Christmas & All Purpose Clubs
Consumer Loan Products
• Home Equity Loans & Lines of Credit
• Mortgage Loans
• Construction Mortgages
• FHA Mortgages
• Auto Loans
• Personal Loans
• Secured Loans
• Preferred Credits
Card Services
• Visa® Consumer Check Card
• Visa® Consumer Credit Card
• Visa® Business Check Card
• Visa® Business Credit Card
• Visa® Business Line of Credit Cards
• American Express® Credit Card
• Card Valet
• Digital Wallet
• MasterCard® Business LOC Debit Card
• MasterCard® Gift Cards & General Purpose
Reloadable Cards
• MasterCard® HELOC Debit Card
• Prepaid & Payroll Cards
Digital Services
• Mobile Banking
• Mobile Deposit
• Online Banking
• Web Bill Pay
• Electronic Statement Delivery
• Email Alerts & Text Alerts
• Secure Mail
• Online Account Opening
• Buzz Points Rewards
• Telephone Link
Business Deposit Products and Services
• Business Checking
• Basic Business Checking
• Business Relationship Interest Checking
• Business Analysis Checking
• Community First Non-Profit Checking
• Community First Checking
• Estate Checking
• IOLTA Checking
• Fidelity Muni-Choice Checking
• CDARS/ICS Programs
• Savings Accounts
• Certificates of Deposit
• Money Market Deposit Accounts
• Fidelity Bank at Work Program
Business Loan Products
• Commercial Loans
• Equipment Loans
• Lines of Credit
• Municipal Loans
• Community Development Loans
• Commercial/Equipment Leasing
• Commercial Mortgages
• Letters of Credit
• Indirect Lending Program
Special Business Loan Programs
• SBA Loan Programs
• PEDFA Loans
• FHLB – BOB Program
• USDA Loan Programs
• Scranton Industrial Development Company Loan Program
• Tax Incremental Financing Programs
• Pennsylvania Industrial Development Authority
• Loan Programs
Business Services Cash Management
• Business Online Banking
• Fidelity Mobile Banking for Business
• Mobile Deposit for Business
• Direct Deposit Services
• Credit Card Processing
• Electronic Funds Receivables
& Payables
• Positive Pay Fraud Detection
• Remote Deposit Capture
• Lock Box
• Cash Position Reporting
• Zero Balance Accounting (ZBA)
• eGiving (electronic donation/tithing)
• Wire Transfer Services
• Business Sweeps
• Business Bill Pay
• Sweep Line of Credit
Investment Services*
• Retirement Planning
• College Planning
• Estate Planning
• Exchange Traded Funds (ETF’s)
• Life Insurance
• Fixed and Variable Annuities
• Unit Investment Trusts
• Mutual Funds
• Stocks
• Bonds
• Long Term Care Insurance
• 401(k) Plans (Including Solo 401(k) Plans)
• Profit Sharing Plans
• 403(b) Plans
• SEP-IRA Plans
• SIMPLE IRA Plans
*Not FDIC insured. No Bank Guarantee.
May Lose Value.
Trust Services
• Personal Trust
• Charitable Trusts
• Special Needs Trusts
• Revocable & Irrevocable Trusts
• Testamentary Trusts
• Estate Settlement & Services
• Endowments
• Guardianships
• Corporate Trust
• Bond Trustee
• Paying Agent
• Institutional Money Management
Additional Bank Services
• Acceptance of Dunmore Taxes
• Acceptance of Scranton/Lackawanna Taxes
• Money Orders & Cashier Checks
• Safe Deposit Box Services
• Acceptance of Lackawanna River
Basin Sewer Authority Payments
Branch & ATM Locations
ATM Only Locations
• Antonio’s Pizza
45 Luzerne St.
West Pittston, PA 18643
• Ayers Country Market
1811 Red Barn Village Rd.
Clarks Summit, PA 18411
• Cigna Healthcare
53 Glenmaura National Blvd.
Moosic, PA 18507
• Dallas Shopping Center
32 Dallas Shopping Center
Dallas, PA 18612
• Electric City Pizza
203 N. Washington Ave.
Scranton, PA 18503
• Gino Merli Veterans’ Center
401 Penn Ave.
Scranton, PA 18503
• Hilton Scranton & Conference Center
100 Adams Ave.
Scranton, PA 18503
• Joe’s Beerman
1561 Main St.
Peckville, PA 18452
• Market Street Bar & Grille
223 West Market St.
Scranton, PA 18508
• Mountain Plaza
1137 Moosic St
Scranton, PA 18503
• Riverfront Sports
3 West Olive St.
Scranton, PA 18508
• Scranton Cultural Center
420 North Washington Ave.
Scranton, PA 18503
• The Shoppes at Montage
1035 Shoppes Blvd.
Moosic, PA 18507
• Thirst T’s
12 Lincoln St.
Olyphant, PA 18447
• TJ Maxx
4000 Oldfield Rd.
Pittston, PA 18640
• Wilkes-Barre/Scranton
International Airport
100 Terminal Rd.
Avoca, PA 18641
• Zummo’s Café
916 Marion St.
Scranton, PA 18509
• Marywood University
Nazareth Hall
McGowen Center & Learning Commons
Dunmore, PA 18509
Branch and ATM Locations
• Abington Office
1311 Morgan Hwy
Clarks Summit, PA 18411
570-586-3212
• Back Mountain Office
2363 Memorial Hwy
Dallas, PA 18612
570-675-3332
External ATM at Dallas Shopping Center
• Dunmore Office
101 N. Blakely St.
Dunmore, PA 18512
570-342-8281
• Green Ridge Office
111 Green Ridge St.
Scranton, PA 18509
570-342-5532
• Keystone Industrial Park Office
1232 Keystone Industrial Park Rd.
Dunmore, PA 18512
570-348-4003
• Kingston Office
247 Wyoming Ave.
Kingston, PA 18704
570-338-0119
• Moosic Office
4010 Birney Ave.
Moosic, PA 18507
570-504-0789
• Mountain Top Office
1 South Mountain Blvd
Mountain Top, PA 18707
570-403-2297
• Peckville Office
1598 Main St.
Peckville, PA 18452
570-483-3300
• Scranton Financial Center
338 North Washington Ave.
Scranton, PA 18503
570-504-8001
• Pittston Office
225 Kennedy Blvd.
Pittston, PA 18640
570-908-0103
• West Scranton Office
400 South Main Ave.
Scranton, PA 18504
570-504-8180
Wealth Management
Personal & Corporate Trust,
Estate Administration & Investment Services
Nicholas Parise
SVP & Director of Wealth Management
570-504-0612
Theresa M. Hinton, Esq., CTFA
VP & Sr. Trust Officer
570-504-2260
James T. O’Brien
VP & Trust Officer
570-504-2250
Lawrence J. Crimi
VP & Trust Investment Relationship Manager
570-504-8011
Diane Carney, CCTS
AVP & Corporate Trust Officer
570-504-2245
Lori A. Barrett, Esq.
Trust Officer
570-504-2242
William J. Fennie, III, CFA
AVP & Trust Investment Officer
570-504-2242
101 N. Blakely St.
Dunmore, PA 18512
570-504-2260
Fidelity Bank Wealth Management Office
252 Sunbury St.
Minersville, PA 17954
570-504-2250
Fidelity Asset Management
Full Brokerage & Insurance Services
William P. McAndrew, AIF®
SVP & Wealth Advisor
570-504-2207
Thomas G. Regenski, AIF®
AVP & Wealth Advisor
570-504-2204
Amanda Vinciguerra
Wealth Management Administrative Assistant
101 N. Blakely St.
Dunmore, PA 18512
570-504-2206
Business Banking
Timothy O’Brien
Sr. EVP & Chief Lending Officer
570-504-2230
Michael J. Pacyna
EVP & Chief Business Development Officer
570-504-8005
Customer Care Center
570-342-8281 | 800-388-4380
This Annual Report may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to
various factors. These factors include the possibility that increased demand or prices for the Company’s financial services and products may not occur, changing economic, interest rate and competitive conditions, technological
developments and other risks and uncertainties, including those detailed in the Company’s filings with the Securities and Exchange Commission.
14
Investor Relations
Fidelity D & D Bancorp, Inc.
101 N. Blakely Street
Dunmore, PA 18512
(570) 342-8281
We are a public company whose stock is traded on The Nasdaq Global Market, under the symbol FDBC.
Transfer Agent and Registrar
Shareholders’ Services Provided
• Stock transfer
• Dividend reinvestment plan
• Direct deposit of dividends
• Duplicate mailing notification
Computershare Trust Company, N.A.
P.O. Box 30170
College Station, TX 77842-3170
(877) 282-1168
www.computershare.com
Shareholder/Investor Inquiries
Requests for information or assistance regarding Fidelity D & D Bancorp, Inc. should be directed to John Pash, Investor Relations Officer,
at (570) 504-8007 or john.pash@fddbank.com.
Market Makers
The following firms are believed to presently make a market in Fidelity D & D Bancorp, Inc. stock on The Nasdaq Global Market,
under the symbol FDBC.
Boenning & Scattergood, Inc.
4 Tower Bridge
200 Barr Harbor Dr., No. 300
W. Conshohocken, PA 19428-2979
(610) 832-1212
G1 Execution Services, LLC
175 W. Jackson Blvd., Ste. 1700
Chicago, IL 60604
(312) 362-0404
Keefe, Bruyette & Woods, Inc.
787 7th Ave., 4th & 5th Flrs.
New York, NY 10019
(212) 887-7777
SG Americas Securities, LLC
245 Park Avenue
New York, NY 10167
(212) 278-6000
Bofa Securities, Inc.
One Bryant Park
New York, NY 10036 USA
(646) 743-2734
Goldman Sachs & Co., LLC
200 West St.
New York, NY 10282-2198
(212) 902-1000
Maxim Group, LLC
405 Lexington Avenue
New York, NY 10174
(212) 895-3500
Citadel Securities, LLC
131 South Dearborn St., 32nd Fl.
Chicago, IL 60603
(312) 395-2100
GTS Securities, LLC
545 Madison Avenue, 15th Floor
New York, NY 10022
(212) 715-2830
Virtu Americas, LLC
300 Vesey St.
New York, NY 10282
(646) 682-6000
Cowen and Company, LLC
599 Lexington Ave., 20th Fl.
New York, NY 10022
(646) 562-1010
Hovde Group, LLC
1629 Colonial Parkway
Inverness, IL 60067
(847) 991-6622
Raymond James &
Associates, Inc.
880 Carillon Parkway
St. Petersburg, FL 33716
(727) 567-1000
Susquehanna Securities
401 City Ave., Ste. 220
Bala Cynwyd, PA 19004-1122
(610) 617-2600
Stifel, Nicolaus & Company, Inc.
501 North Broadway
St. Louis, MO 63102
(314) 342-2000
UBS Securities, LLC
1285 Avenue of the Americas
New York, NY 10019
(203) 719-3000
D.A. Davidson & Co.
8 Third Street North
Great Falls, MT 59401-3104
(406) 727-4200
IMC Financial Markets
233 South Wacker Drive #4300
Chicago, IL 60606
(312) 244-3300
Two Sigma Securities, LLC
101 Avenue of the Americas, 19th Fl.
New York, NY 10013
(212) 625-5700
Latour Trading, LLC
377 Broadway, 10th Fl.
New York, NY 10013
(917) 388-8000
KATELYN ABRAHAM DEBRA ALIMENTI ISABEL ANDERSON BRENDA ANDES PAUL JOHN ARVAY JAMES ATEN TRACY BARBER LORI BARRETT ALYSSA BARTOLI MARY LYNN BLASI DANA BLOOM IGOR BODNAR PATRICIA
BOHAN PATRICK BOLES JALEN BRIDGES MELISSA BRIGGS TIFFANY BURCH JEREMIAH BURDICK CYNTHIA CACIOPPO CARMEN CAPUTO AMANDA CARDILLO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR
BRYANNE CARUSO MOLLY CHAMBERS SHARON CHECHILE FELICITY CHEE ROSS CIANFLONE FRANK CIMINO DOMINIQUE CLARK SAMANTHA CLARK KRISTI CLEVELAND CATHY COLLINS JUDITH COMERFORD LATOYA
COOPER MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL LAWRENCE CRIMI LESLY CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI ANGELO DECESARIS SALVATORE DEFRANCESCO KATH-
LEEN DELEO JAMES DEMPSEY MARGARET DERMODY CANDACE DEXHEIMER CHRISTOPHER DiPIETRO TYLENE DODGE CYNTHIA DOPKO STEPHANIE DOWLING LORIANN EDWARDS MARYANN ELLEFSEN KARA
ERFMAN CYRENA ERFMAN ROBERT FARRELL WILLIAM FENNIE BRITTANI FENTON JOHN FERRETT SHANAY FIGUEROA THOMAS FISCHER JOANN FULLER LAWLESS CAREY GARVEY ELIZABETH GILGALLON NICHOLAS
GILLICK RACHEL GOODWIN AARON GORYL ELIZABETH GRAHAM KRISTIN GROW SHAWNA HALLEY LOGAN HANSMAN LAUREN HARASCHAK CARRIE HART TIFFANY HEWITT THERESA HINTON ROBERT HOOPER DENA
HUGHES SUSAN HYNDS JAMES IGOE HARRY JADICK DELBERT JAMES CHRISTA JENNINGS CANDICE JOHNSON DRAGAN JOKIC NICOLE JUDGE DONNA KANE MICHAEL KARPOVICH HEATHER KAZINETZ AMY KERR
STEPHANIE KINNEY NOELLE KREMPASKY NICHOLAS KUZDRO BETH LANGSTON BRIAR LAURITO MARIA LAWLER MATTHEW LAWLESS JODY LEWIS KERRY LOBEL BRYAN LOFTUS SUSAN MAE LUCAS LAUREN
LUONGO PATRICIA MANCINI ANGEL MANDARANO MARY ANN MARRANCA RACHEL MARSILI JOANN MARSILI WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK MICHELLE MCMASTER MARY MCNICHOLS
JANIE MCROY LISA MINOR MONIQUE MONTAQUE SHARON MULLANEY LIRIKA NASHI GEORGE NEUBAUER JAMES OBRIEN TIMOTHY OBRIEN CHRISTOPHER OBRIEN ERICH OLSEN STEFAN OLSEN THOMAS OMALLEY
RICHARD ORTMAN ZACKERY ORTMAN MICHAEL PACYNA NICHOLAS PARISE JOHN PASH CHERISSE PEATEN CAROL PETLISKI JOANNE PEZZUTI REBECCA PHILLIPS HANNAH PIERRE MARY PIERRE GRACE PINEDA
LYNN POCHAS MAUREEN POLSTER CARMELLA PRINGLE-KUZDRO MARIAN PUZYCKI SUSAN RABEL CARLO RAMELAH VICTORIA RANDIS DEBORAH RATUSZNY TOM REGENSKI MARY REID KAREN RENFER ANGELO
RESCIGNO ROBERT RILEY KRISTOPHER ROGERS THERESA ROGINSKI ROSELIS ROJAS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE MELISSA SADAKA DANIEL SANTANIELLO MICHELE SAN-
TANIELLO DAVID SAXTON KEVIN SCOTCH TORRE SCRIMALLI JAMES SEGUIN ALLYSON SELIGA SHARON SHEPERIS HANNAH SHURTLEFF KELLEAH SIMONSON MARTIN SKODOCEK CHRIS SLEDZINSKI KATHLEEN
SOLSMAN SARAH SORRELLS WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER CASEY TIGHE KATHLEEN TIMLIN HEENA TOLANI JEREMEY TOMAINE JOSEPH TOMKO JAMES TRESSLER COLLEEN TUNIS TIA
UBALDINI CYNTHIA UCHIC JILL VALENTINI CHRISTINE VALVANO PAULINE VAN TASSEL AMANDA VINCIGUERRA ERIN WALSH EUGENE WALSH LACEY WALSH JOSEPH WARD AMY WASKO CRYSTAL WELBY LINDA
WISHARD BENJAMIN WOLK GEORGE YAKUBISIN NICOLE YAZINSKI DEBORAH YEARING BENJAMIN YOUNGKATELYN ABRAHAM DEBRA ALIMENTI ISABEL ANDERSON BRENDA ANDES PAUL JOHN ARVAY JAMES ATEN
TRACY BARBER LORI BARRETT ALYSSA BARTOLI MARY LYNN BLASI DANA BLOOM IGOR BODNAR PATRICIA BOHAN PATRICK BOLES JALEN BRIDGES MELISSA BRIGGS TIFFANY BURCH JEREMIAH BURDICK CYNTHIA
CACIOPPO CARMEN CAPUTO AMANDA CARDILLO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO MOLLY CHAMBERS SHARON CHECHILE FELICITY CHEE ROSS CIANFLONE FRANK CIMINO DO-
MINIQUE CLARK SAMANTHA CLARK KRISTI CLEVELAND CATHY COLLINS JUDITH COMERFORD LATOYA COOPER MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL LAWRENCE CRIMI LESLY
CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI ANGELO DECESARIS SALVATORE DEFRANCESCO KATHLEEN DELEO JAMES DEMPSEY MARGARET DERMODY CANDACE DEXHEIMER CHRISTOPHER DiPIETRO
TYLENE DODGE CYNTHIA DOPKO STEPHANIE DOWLING LORIANN EDWARDS MARYANN ELLEFSEN KARA ERFMAN CYRENA ERFMAN ROBERT FARRELL WILLIAM FENNIE BRITTANI FENTON JOHN FERRETT SHANAY
FIGUEROA THOMAS FISCHER JOANN FULLER LAWLESS CAREY GARVEY ELIZABETH GILGALLON NICHOLAS GILLICK RACHEL GOODWIN AARON GORYL ELIZABETH GRAHAM KRISTIN GROW SHAWNA HALLEY LOGAN
HANSMAN LAUREN HARASCHAK CARRIE HART TIFFANY HEWITT THERESA HINTON ROBERT HOOPER DENA HUGHES SUSAN HYNDS JAMES IGOE HARRY JADICK DELBERT JAMES CHRISTA JENNINGS CANDICE
JOHNSON DRAGAN JOKIC NICOLE JUDGE DONNA KANE MICHAEL KARPOVICH HEATHER KAZINETZ AMY KERR STEPHANIE KINNEY NOELLE KREMPASKY NICHOLAS KUZDRO BETH LANGSTON BRIAR LAURITO MARIA
LAWLER MATTHEW LAWLESS JODY LEWIS KERRY LOBEL BRYAN LOFTUS SUSAN MAE LUCAS LAUREN LUONGO PATRICIA MANCINI ANGEL MANDARANO MARY ANN MARRANCA RACHEL MARSILI JOANN MARSILI
WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK MICHELLE MCMASTER MARY MCNICHOLS JANIE MCROY LISA MINOR MONIQUE MONTAQUE SHARON MULLANEY LIRIKA NASHI GEORGE NEUBAUER
JAMES OBRIEN TIMOTHY OBRIEN CHRISTOPHER OBRIEN ERICH OLSEN STEFAN OLSEN THOMAS OMALLEY RICHARD ORTMAN ZACKERY ORTMAN MICHAEL PACYNA NICHOLAS PARISE JOHN PASH CHERISSE
PEATEN CAROL PETLISKI JOANNE PEZZUTI REBECCA PHILLIPS HANNAH PIERRE MARY PIERRE GRACE PINEDA LYNN POCHAS MAUREEN POLSTER CARMELLA PRINGLE-KUZDRO MARIAN PUZYCKI SUSAN RABEL
CARLO RAMELAH VICTORIA RANDIS DEBORAH RATUSZNY TOM REGENSKI MARY REID KAREN RENFER ANGELO RESCIGNO ROBERT RILEY KRISTOPHER ROGERS THERESA ROGINSKI ROSELIS ROJAS SADIE ROTH
MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE MELISSA SADAKA DANIEL SANTANIELLO MICHELE SANTANIELLO DAVID SAXTON KEVIN SCOTCH TORRE SCRIMALLI JAMES SEGUIN ALLYSON SELIGA
SHARON SHEPERIS HANNAH SHURTLEFF KELLEAH SIMONSON MARTIN SKODOCEK CHRIS SLEDZINSKI KATHLEEN SOLSMAN SARAH SORRELLS WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER CASEY
TIGHE KATHLEEN TIMLIN HEENA TOLANI JEREMEY TOMAINE JOSEPH TOMKO JAMES TRESSLER COLLEEN TUNIS TIA UBALDINI CYNTHIA UCHIC JILL VALENTINI CHRISTINE VALVANO PAULINE VAN TASSEL AMANDA
VINCIGUERRA ERIN WALSH EUGENE WALSH LACEY WALSH JOSEPH WARD AMY WASKO CRYSTAL WELBY LINDA WISHARD BENJAMIN WOLK GEORGE YAKUBISIN NICOLE YAZINSKI DEBORAH YEARING BENJAMIN
YOUNG KATELYN ABRAHAM DEBRA ALIMENTI ISABEL ANDERSON BRENDA ANDES PAUL JOHN ARVAY JAMES ATEN TRACY BARBER LORI BARRETT ALYSSA BARTOLI MARY LYNN BLASI DANA BLOOM IGOR BODNAR
PATRICIA BOHAN PATRICK BOLES JALEN BRIDGES MELISSA BRIGGS TIFFANY BURCH JEREMIAH BURDICK CYNTHIA CACIOPPO CARMEN CAPUTO AMANDA CARDILLO JOSEPH CARLIN DIANE CARNEY MICHELLE
CARR BRYANNE CARUSO MOLLY CHAMBERS SHARON CHECHILE FELICITY CHEE ROSS CIANFLONE FRANK CIMINO DOMINIQUE CLARK SAMANTHA CLARK KRISTI CLEVELAND CATHY COLLINS JUDITH COMERFORD
LATOYA COOPER MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL LAWRENCE CRIMI LESLY CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI ANGELO DECESARIS SALVATORE DEFRANCESCO
KATHLEEN DELEO JAMES DEMPSEY MARGARET DERMODY CANDACE DEXHEIMER CHRISTOPHER DiPIETRO TYLENE DODGE CYNTHIA DOPKO STEPHANIE DOWLING LORIANN EDWARDS MARYANN ELLEFSEN KARA
ERFMAN CYRENA ERFMAN ROBERT FARRELL WILLIAM FENNIE BRITTANI FENTON JOHN FERRETT SHANAY FIGUEROA THOMAS FISCHER JOANN FULLER LAWLESS CAREY GARVEY ELIZABETH GILGALLON NICHOLAS
GILLICK RACHEL GOODWIN AARON GORYL ELIZABETH GRAHAM KRISTIN GROW SHAWNA HALLEY LOGAN HANSMAN LAUREN HARASCHAK CARRIE HART TIFFANY HEWITT THERESA HINTON ROBERT HOOPER DENA
HUGHES SUSAN HYNDS JAMES IGOE HARRY JADICK DELBERT JAMES CHRISTA JENNINGS CANDICE JOHNSON DRAGAN JOKIC NICOLE JUDGE DONNA KANE MICHAEL KARPOVICH HEATHER KAZINETZ AMY KERR
STEPHANIE KINNEY NOELLE KREMPASKY NICHOLAS KUZDRO BETH LANGSTON BRIAR LAURITO MARIA LAWLER MATTHEW LAWLESS JODY LEWIS KERRY LOBEL BRYAN LOFTUS SUSAN MAE LUCAS LAUREN
LUONGO PATRICIA MANCINI ANGEL MANDARANO MARY ANN MARRANCA RACHEL MARSILI JOANN MARSILI WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK MICHELLE MCMASTER MARY MCNICHOLS
JANIE MCROY LISA MINOR MONIQUE MONTAQUE SHARON MULLANEY LIRIKA NASHI GEORGE NEUBAUER JAMES OBRIEN TIMOTHY OBRIEN CHRISTOPHER OBRIEN ERICH OLSEN STEFAN OLSEN THOMAS OMALLEY
RICHARD ORTMAN ZACKERY ORTMAN MICHAEL PACYNA NICHOLAS PARISE JOHN PASH CHERISSE PEATEN CAROL PETLISKI JOANNE PEZZUTI REBECCA PHILLIPS HANNAH PIERRE MARY PIERRE GRACE PINEDA
LYNN POCHAS MAUREEN POLSTER CARMELLA PRINGLE-KUZDRO MARIAN PUZYCKI SUSAN RABEL CARLO RAMELAH VICTORIA RANDIS DEBORAH RATUSZNY TOM REGENSKI MARY REID KAREN RENFER ANGELO
RESCIGNO ROBERT RILEY KRISTOPHER ROGERS THERESA ROGINSKI ROSELIS ROJAS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE MELISSA SADAKA DANIEL SANTANIELLO MICHELE SAN-
TANIELLO DAVID SAXTON KEVIN SCOTCH TORRE SCRIMALLI JAMES SEGUIN ALLYSON SELIGA SHARON SHEPERIS HANNAH SHURTLEFF KELLEAH SIMONSON MARTIN SKODOCEK CHRIS SLEDZINSKI KATHLEEN
SOLSMAN SARAH SORRELLS WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER CASEY TIGHE KATHLEEN TIMLIN HEENA TOLANI JEREMEY TOMAINE JOSEPH TOMKO JAMES TRESSLER COLLEEN TUNIS TIA
UBALDINI CYNTHIA UCHIC JILL VALENTINI CHRISTINE VALVANO PAULINE VAN TASSEL AMANDA VINCIGUERRA ERIN WALSH EUGENE WALSH LACEY WALSH JOSEPH WARD AMY WASKO CRYSTAL WELBY LINDA
WISHARD BENJAMIN WOLK GEORGE YAKUBISIN NICOLE YAZINSKI DEBORAH YEARING BENJAMIN YOUNGKATELYN ABRAHAM DEBRA ALIMENTI ISABEL ANDERSON BRENDA ANDES PAUL JOHN ARVAY JAMES ATEN
TRACY BARBER LORI BARRETT ALYSSA BARTOLI MARY LYNN BLASI DANA BLOOM IGOR BODNAR PATRICIA BOHAN PATRICK BOLES JALEN BRIDGES MELISSA BRIGGS TIFFANY BURCH JEREMIAH BURDICK CYNTHIA
CACIOPPO CARMEN CAPUTO AMANDA CARDILLO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO MOLLY CHAMBERS SHARON CHECHILE FELICITY CHEE ROSS CIANFLONE FRANK CIMINO DO-
MINIQUE CLARK SAMANTHA CLARK KRISTI CLEVELAND CATHY COLLINS JUDITH COMERFORD LATOYA COOPER MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL LAWRENCE CRIMI LESLY
CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI ANGELO DECESARIS SALVATORE DEFRANCESCO KATHLEEN DELEO JAMES DEMPSEY MARGARET DERMODY CANDACE DEXHEIMER CHRISTOPHER DiPIETRO
TYLENE DODGE CYNTHIA DOPKO STEPHANIE DOWLING LORIANN EDWARDS MARYANN ELLEFSEN KARA ERFMAN CYRENA ERFMAN ROBERT FARRELL WILLIAM FENNIE BRITTANI FENTON JOHN FERRETT SHANAY
FIGUEROA THOMAS FISCHER JOANN FULLER LAWLESS CAREY GARVEY ELIZABETH GILGALLON NICHOLAS GILLICK RACHEL GOODWIN AARON GORYL ELIZABETH GRAHAM KRISTIN GROW SHAWNA HALLEY LOGAN
HANSMAN LAUREN HARASCHAK CARRIE HART TIFFANY HEWITT THERESA HINTON ROBERT HOOPER DENA HUGHES SUSAN HYNDS JAMES IGOE HARRY JADICK DELBERT JAMES CHRISTA JENNINGS CANDICE
JOHNSON DRAGAN JOKIC NICOLE JUDGE DONNA KANE MICHAEL KARPOVICH HEATHER KAZINETZ AMY KERR STEPHANIE KINNEY NOELLE KREMPASKY NICHOLAS KUZDRO BETH LANGSTON BRIAR LAURITO MARIA
LAWLER MATTHEW LAWLESS JODY LEWIS KERRY LOBEL BRYAN LOFTUS SUSAN MAE LUCAS LAUREN LUONGO PATRICIA MANCINI ANGEL MANDARANO MARY ANN MARRANCA RACHEL MARSILI JOANN MARSILI
WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK MICHELLE MCMASTER MARY MCNICHOLS JANIE MCROY LISA MINOR MONIQUE MONTAQUE SHARON MULLANEY LIRIKA NASHI GEORGE NEUBAUER
JAMES OBRIEN TIMOTHY OBRIEN CHRISTOPHER OBRIEN ERICH OLSEN STEFAN OLSEN THOMAS OMALLEY RICHARD ORTMAN ZACKERY ORTMAN MICHAEL PACYNA NICHOLAS PARISE JOHN PASH CHERISSE
PEATEN CAROL PETLISKI JOANNE PEZZUTI REBECCA PHILLIPS HANNAH PIERRE MARY PIERRE GRACE PINEDA LYNN POCHAS MAUREEN POLSTER CARMELLA PRINGLE-KUZDRO MARIAN PUZYCKI SUSAN RABEL
CARLO RAMELAH VICTORIA RANDIS DEBORAH RATUSZNY TOM REGENSKI MARY REID KAREN RENFER ANGELO RESCIGNO ROBERT RILEY KRISTOPHER ROGERS THERESA ROGINSKI ROSELIS ROJAS SADIE ROTH
MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE MELISSA SADAKA DANIEL SANTANIELLO MICHELE SANTANIELLO DAVID SAXTON KEVIN SCOTCH TORRE SCRIMALLI JAMES SEGUIN ALLYSON SELIGA
SHARON SHEPERIS HANNAH SHURTLEFF KELLEAH SIMONSON MARTIN SKODOCEK CHRIS SLEDZINSKI KATHLEEN SOLSMAN SARAH SORRELLS WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER CASEY
TIGHE KATHLEEN TIMLIN HEENA TOLANI JEREMEY TOMAINE JOSEPH TOMKO JAMES TRESSLER COLLEEN TUNIS TIA UBALDINI CYNTHIA UCHIC JILL VALENTINI CHRISTINE VALVANO PAULINE VAN TASSEL AMANDA
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SOLSMAN SARAH SORRELLS WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER CASEY TIGHE KATHLEEN TIMLIN HEENA TOLANI JEREMEY TOMAINE JOSEPH TOMKO JAMES TRESSLER COLLEEN TUNIS TIA
UBALDINI CYNTHIA UCHIC JILL VALENTINI CHRISTINE VALVANO PAULINE VAN TASSEL AMANDA VINCIGUERRA ERIN WALSH EUGENE WALSH LACEY WALSH JOSEPH WARD AMY WASKO CRYSTAL WELBY LINDA
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