STEPHEN G. SHEETZ is 60 and has been a director since 2000. Mr. Sheetz is chairman of Sheetz, Inc., the owner of a chain of convenience stores operating in six Mid-Atlantic and northeastern states. He is a director of M&T Bank and a member of its Community Reinvestment Act Committee. Mr. Sheetz had served as a director of Keystone Financial Bank, N.A. and its predecessor from 1984 through M&T Bank Corporation's acquisition of Keystone. He is also a director of QuikTrip Corporation and Eat'n Park Restaurants. He is a native of Altoona, Pennsylvania. He is a 1965 graduate of Altoona Area High School and a 1969 graduate of the Pennsylvania State University where he received a Bachelor of Science Degree in Business Management.