Nick Ketcha - Director-at-large 

Mr. Ketcha is a member of the Board of Directors of Executive Fin-Pro, Inc., a financial institution consulting firm located in Gladstone, New Jersey. He is also a member of the Board of Directors of Morgan Stanley Bank, N.A. and Morgan Stanley Private Bank,N.A. Mr. Ketcha has more than 52 years’ experience in the financial services industry including several years as the FDIC’s Director of Supervision. He is a graduate of the University of Scranton and the Stonier Graduate School of Banking at Rutgers University.