BOARD OF DIRECTORS
Fred Abdula
Chairman of the Board
Northern States Financial Corporation
and President,
Air Con Refrigeration and Heating, Inc.

Kenneth W. Balza
Retired
Bank of Waukegan

Jack H. Blumberg
Managing Partner
Blumberg & Company

Frank Furlan
President
Northern Illinois Survey Company

Harry S. Gaples
President
Kleinschmidt, Inc.

Laurance A. Guthrie
Vice-President-Secretary
Doyle Distributing Co. Inc.

James A. Hollensteiner
President
Hollensteiner & Associates

Ray Mota
President
Mota Construction Co., Inc.

Helen Rumsa
Secretary
Bertrand Bowling Lanes, Inc.

Frank Ryskiewicz
Chairman of the Board
Bertrand Bowling Lanes, Inc.

Henry G. Tewes
Retired
Tewes Company

Arthur J. Wagner
Retired
Fansteel, Inc.

OFFICERS
Fred Abdula
Chairman of the Board & President

Kerry J. Biegay
Vice President

Thomas M. Nemeth, CPA
Vice President & Treasurer

Helen Rumsa
Secretary

CORPORATE OFFICE
1601 North Lewis Avenue
Waukegan, IL 60085
847- 244-6000

OFFICERS
Fred Abdula
Chairman of the Board,Chief Executive Officer & President

Kerry J. Biegay
Executive Vice President

Richard Block
Senior Vice President & Sr. Trust Officer

Roy H. Clark
Senior Vice President

Bradley A. Nickerson
Senior Vice President

Daniel J. Ruffalo
Senior Vice President

Paul L. Svendsen
Senior Vice President

Stanley J. Trygar, Jr.
Senior Vice President

Thomas M. Williston
Senior Vice President

James A. Gitzlaff
Vice President

Paul A. Hartmann
Vice President

Robin Jenkins
Vice President

Thomas M. Nemeth, CPA
Vice President & Controller

James A. Powers, CPA
Vice President & Senior Auditor

Michael B. Renschen
Vice President

Tammy R. Wesenberg
Vice President & Cashier

Janet Ceskowski
Assistant Vice President

Timothy Deadrick
Assistant Vice President

Patsy E. Dreyer, CPA
Assistant VP & Credit Review Officer

Donald D. Evans, Jr.
Assistant Vice President

Bruce C. Greenberg
Assistant VP & Compliance Officer

Virginia L. Gregg, CPA
Assistant VP & Trust Officer

Beverly C. Hayes
Assistant VP & Trust Officer

Doris Miles
Assistant Vice President

William G. Russell
Assistant Vice President

Jean Tippet
Assistant Vice President

Kathleen Volling
Assistant Vice President

Nancy Young
Assistant VP & Trust Operations Officer

Colleen Zawaski
Assistant Vice President

Joyce J. Stockwell
Loan Officer

Ruthie Brown
Assistant Cashier

Pat Joslyn
Assistant Cashier

Susan Loberger
Assistant Cashier

Shelda Dobson
Operations Officer

Kimberly L. Jordine
Assistant Controller

Leslie Maj
Human Resources Officer

Barbara Richter
Land Trust Officer

MAIN OFFICE
1601 North Lewis Avenue
Waukegan, IL 60085
847- 244-6000

DOWNTOWN BRANCH
Madison at Count Street
Waukegan, IL 60085
847 244-6000

WEST SIDE BRANCH
Green Bay Road at Grand Avenue
Waukegan, IL 60085
847 244-6000

ANTIOCH BRANCH
Route 59 at Grass Lake Road
Antioch, IL 60002
847 244-6000

GURNEE BRANCH
5384 Grand Avenue
Gurnee, IL 60031
847 244-6000

WINTHROP HARBOR BRANCH
700 N. Sheridan Road
Winthrop Harbor, Il 60096
847 244-6000

Website: www.bankofwaukegan.com