Seated, left to right Dennis A. Starliper Executive Vice President and Chief Financial Officer John F. Novak Executive Vice President Consumer Lending Group Gary N. Geisel President and Chief Operating Officer Richard J. Oppitz Jr. Executive Vice President Commercial Banking Group Enos K. Fry Group Manager Washington Metro Area Standing, left to right Lawrence J. Beyer Managing Director and Treasurer Treasury Robert L. Schmidt Managing Director Loan Operations Clifford O. Webster Managing Director Administrative Services Russell G. Johnson Group Manager Operations Jeanne M. Uphouse Group Manager Human Resources Legal and Compliance Administrative Services Robert H. Newton Jr. Managing Director Commercial Banking Peter C. Georgopoulos Managing Director Residential Mortgage R. Wayne Hall Managing Director and Controller Finance and Control Jeannine C. Morganthall Managing Director and Auditor Audit Robert L. Davis Managing Director and General Counsel Legal and Compliance John J. King Group Manager Community Banking Joseph C. Anderson Managing Director Consumer Lending Lillian S. Kilroy Managing Director Marketing Raymond E. Schlissler Managing Director Real Estate Lending Donald E. Sheeler Managing Director Provident Investment Center, Inc. H. Les Patrick Managing Director Credit Administration Peter M. Martin Chairman and Chief Executive Officer Gary N. Geisel President and Chief Operating Officer Dennis A. Starliper Chief Financial Officer Robert L. Davis General Counsel and Secretary R. Wayne Hall Treasurer Jeannine C. Morganthall Auditor