Business Advisory Council

William H. Braun President Custom Rubber Corporation Cleveland, Ohio Margo E. Broehl Attorney at Law Wooster, Ohio Robert M. Cleveland Vice President Woodford Feed   Company, Inc. Versailles, Kentucky Daniel B. Cunningham Secretary/Treasurer Long-Stanton   Manufacturing Co., Inc. Hamilton, Ohio

Norman S. Graves President & CEO National Metal  Processing, Inc. Richmond, Kentucky James D. Kiggen Chairman & CEO Xtek, Incorporated Cincinnati, Ohio Elizabeth N. Kraftician President & CEO Touchstone Research   Laboratory, Ltd. Triadelphia, West Virginia Cheryl L. Krueger President & CEO Cheryl & Company Westerville, Ohio James W. Liken President & CEO Liken Home Medical, Inc. Pittsburgh, Pennsylvania

F. James McCarl President & CEO McCarl’s, Inc. Beaver Falls, Pennsylvania Gerald M. Miller Chairman &   Managing Partner Miller–Valentine Group Miamisburg, Ohio Jeanette C. Prear President & CEO Day-Med Health   Maintenance Plan, Inc. Dayton, Ohio Steven C. Thomas President & CEO Mulach Steel Corporation Leetsdale, Pennsylvania

Community Bank Advisory Council

Charles Beach, Jr. Chairman Peoples Exchange Bank Beattyville, Kentucky Michael N. Clemens President & CEO Commerce Exchange Bank Beachwood, Ohio James R. Drenning President & CEO The Merchants National   Bank of Kittanning Kittanning, Pennsylvania

John O. Finnan Chairman, President & CEO Peoples Bank of   Northern Kentucky Crestview Hills, Kentucky Jeffrey A. Maffett President & CEO Eaton National Bank   and Trust Company Eaton, Ohio Benjamin T. Pugh CEO Premier Financial   Bancorp, Inc. Vanceburg, Kentucky Ronald L. Solomon President, Director & CEO First West Virginia   Bancorp, Inc. Wheeling, West Virginia

William C. Sonntag President & CEO The First National Bank   of Slippery Rock Slippery Rock, Pennsylvania Philip S. Swope Chairman, President & CEO Chippewa Valley Bank Rittman, Ohio Carlos E. Watkins Vice Chairman First-Knox National Bank Mt. Vernon, Ohio Paul G. Wreede President & CEO The Commercial Bank Delphos, Ohio

This annual report was prepared by the Corporate Communications & Community Affairs Department of the Federal Reserve Bank of Cleveland.

For additional copies of this annual report, contact the Corporate Communications & Community Affairs Department, Federal Reserve Bank of Cleveland. P.O. Box 6387, Cleveland, OH 44101, or call 1-800-543-3489 or (216) 579-2001.