Mr. Ward has over 20 years of banking industry experience and most recently served as Executive Vice President of Citizens Bank of Pennsylvania from January 2003 until January 2004, overseeing and managing specialized industries, including Government Banking, Professional Banking and Not-For-Profit Businesses in the Mid-Atlantic region, as well as the Chairman and President of Citizens Bank in Delaware and a member of the Citizens Financial Group Executive Policy Committee. Prior thereto, Mr. Ward previously served as President and Chief Executive of Commonwealth Bancorp, Inc., the holding company for Commonwealth Bank in Malvern, Pennsylvania, until its acquisition by Citizens Bank in January 2003. He joined Commonwealth in 1992 as Senior Vice President and Chief Financial Officer. Under Mr. Ward's leadership, Commonwealth Bank grew to $1.8 billion in assets with 61 branches throughout eastern Pennsylvania. Prior to joining Commonwealth, Mr. Ward held a variety of positions at Mellon Bank in Pittsburgh, Pennsylvania, including Vice President and Controller of Mellon Bank's Wholesale Banking Group and Vice President and Controller of its Retail Banking Group. Mr. Ward is active in the community and serves on the Board of Directors of the Federal Home Loan Bank of Pittsburgh, the Board of Directors of the Philadelphia Police Athletic League, the Phoenixville Area YMCA, EconomicsPennsylvania and the Chester County Chamber of Commerce. Ward is a graduate of Carnegie Mellon University with a degree in economics and earned an MBA from the University of Notre Dame.