Please add Christine Bryan, who is the Loan Servicing Manager, servicing Jersey Shore State Bank and Luzerne Bank, to the MARUG distribution list. Thank you.

Roxanna M. Chapman

Senior Vice President-Director of Loan Operations

Jersey Shore State Bank and Luzerne Bank

Phone: 570-320-2014/Mobile: 570-220-6764/Fax 570-567-2065

300 Market Street, Williamsport, PA 17701 Email: xxxxxx@pwod.com

Member of the Penns Woods Bancorp Family

Confidentiality Notice: This message and any attachments originate by electronic mail from Penns Woods Bancorp and their subsidiaries/affiliates. Both this document and any attachments are intended for the sole use of the addressee indicated above and may contain proprietary, privileged and/or confidential information. If you are not the intended recipient of this message, you are hereby notified that any use or disclosure of this information is strictly prohibited. If you received this message in error, or have reason to believe you are not authorized to receive it, please notify the sender by reply email, with a copy to xxxxxx@pwod.com and then promptly delete the original and reply messages. Thank you for your cooperation.