CB Financial Services Inc.

Andrew Finnigan joined Columbia Bank in 2003 and has been an Investment Executive with CB Financial Services since 2005. As part of our philosophy that all investors deserve great service and attention, Andrew is focused on ensuring that each of his clients receives the best service and investment guidance. Andrew's investment philosophy is one of diversification and intelligent asset allocation. He believes very strongly in the importance of regular communication, taking the time to get to know his clients and developing a full understanding of their financial picture. Once this understanding is attained, a financial strategy can be developed that is based on the unique goals of the client. Andrew offers all investors the luxury of personalized service and access to all of the financial options offered by PrimeVest.

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Kevin McIntosh is a Senior Financial Consultant with CB Financial Services offering his clients over ten years of experience in the financial services and investment industry. His previous positions include a Client Executive from Russell Investments and a Relationship Manager at Greene Wealth Management. Kevin believes the most important aspect of working with clients is helping them define and quantify their long-term financial goals. He makes a priority of understanding each client's complete financial picture when developing their wealth management plan and crafts each plan in a manner that creates the highest probability of success. Kevin's investment philosophy is one of diversification and intelligent asset allocation. He believes very strongly in regular communication and the importance of establishing trust, accountability, and building long-term valued relationships. When working with his clients he uses a needs-based, holistic approach developed in collaboration with a team of professionals including Columbia Bank's Retail Bankers and Commercial Lenders. His experience in providing comprehensive solutions through a financial planning approach adds further depth to the highly skilled CB Financial Services team. Kevin is a graduate of Wayland Baptist University in Plainview Texas and holds an MBA as well as a Bachelor of Science in Occupational Education.

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Paul Guilfoil joined Columbia Bank as a Financial Consultant with CB Financial Services in June 2004. Paul has served as a personal financial advisor since 1983, helping individuals and businesses implement investment decisions, strategies and programs. He holds an undergraduate degree in business administration from W.S.U., and received his M.B.A. in finance from U.W. Paul's clients appreciate his friendliness, and determination to fully understand their needs and goals before making recommendations. He has the ability to present complex financial products in a manner that is informative and useful. Now, more than ever, Paul sees the need for clients to find a "trusted advisor" to help them make sound decisions to ensure their financial security.