Commercial Lenders & Retail Managers

	John W. Wyatt
	Sr. Vice President Sr. Lending Officer	Phone: 518-370-7284 Fax: 518-370-8702 jwwyatt@firstscotia.com
	Gregory N. Phillips
	Vice President Commercial Lender	Phone: 518-370-7284 Fax: 518-370-8702 gnphillips@firstscotia.com
	Kevin R. Buhrmaster
	Vice President Commercial Lender CRA Officer	Phone: 518-370-7284 Fax: 518-370-8702 krbuhrmaster@firstscotia.com
	Christopher R. Hebbard
	Vice President Commercial Lender	Phone: 518-370-7284 Fax: 518-370-8702 crhebbard@firstscotia.com
	Kenneth W. Swain III
	Vice President Area Manager	Phone: 518-370-7200 Fax: 518-370-7273 kwswain@firstscotia.com
	Jessica R. Petraccione
	Vice President Area Manager	Phone: 518-370-7200 Fax: 518-370-3602 jrpetraccione@firstscotia.com
	Teresa A. Freeman
	Vice President Area Manager	Phone: 518-370-7200 Fax: 518-370-7254 tafreeman@firstscotia.com