Current Press Releases

QNB Bank Donates $4,500 to Upper Perkiomen Valley Library

Quakertown, PA (September 15, 2021) For the past 11 years, QNB Bank has teamed up with the Lehigh Valley IronPigs to help raise money for local libraries through the “Batting for Books” campaign. On September 14th at Coca-Cola Park in Allentown, QNB provided a $4,500 donation to this year’s proud beneficiary, the Upper Perkiomen Valley Library. Since the program’s inception in 2011, QNB has donated $43,050 to local libraries.

QNB Corp. Declares Dividend

Quakertown, PA (August 24, 2021) The Board of Directors of QNB Corp. (OTC Bulletin Board: QNBC), parent company of QNB Bank, at a regular meeting on August 24, 2021 declared a quarterly cash dividend of $0.35 per share. The cash dividend is payable on September 24, 2021 to shareholders of record September 10, 2021.

QNB Corp. offers commercial and retail banking services through the twelve banking offices of its subsidiary, QNB Bank. QNB Corp.’s stock is traded in the over-the-counter market under the symbol “QNBC.” For more information, visit QNB’s web site at QNBbank.com.

QNB Corp. Reports Record Earnings

Quakertown, PA (July 27, 2021) QNB Corp. (the “Company” or “QNB”) (OTC Bulletin Board: QNBC), the parent company of QNB Bank, reported net income for the second quarter of 2021 of $3,869,000, or $1.09 per share on a diluted basis, compared to net income of $3,934,000, or $1.11 per share on a diluted basis, for the same period in 2020.  For the six months ended June 30, 2021, QNB reported net income of $8,919,000, or $2.51 per share on a diluted basis. This compares to net income of $4,154,000, or $1.18 per share on a diluted basis, reported for the same period in 2020.

The operating performance of QNB Bank, a wholly-owned subsidiary of QNB Corp., improved for the quarter and six months ended June 30, 2021 in comparison with the same periods in 2020.  The change in contribution from QNB Corp. for the quarter and six months ended June 30, 2021 compared to the same periods in 2020 is due to the change in fair value of the equities portfolio held at the holding company.

The following table presents disaggregated net income:

QNB Corp. Q2 2021 Earnings

Total assets as of June 30, 2021 were $1,575,353,000 compared with $1,440,229,000 at December 31, 2020. Loans receivable at June 30, 2021  were $920,923,000 compared with $920,042,000 at December 31, 2020.  Total available for sale debt securities increased $113,739,000, or 26.1%, to  $549,385,000, as excess funds from deposit growth were deployed into higher-yielding securities instead of cash.  Total deposits increased $115,666,000 or 9.4% to $1,343,733,000.  QNB Bank participated in both rounds of the Small Business Administration’s (“SBA’s”) Paycheck Protection Program (“PPP”), originating 315 loans totaling $35,021,000 during round two in 2021.   The SBA discontinued the program for non-Community Developement Financial Institutions after May 12, 2021. Loans receivable, excluding PPP, grew $19.0 million, or 2.2%, to approximately $868,000,000 since December 31, 2020.  

“We are pleased to report record six-month earnings during the first half of 2021. In addition to record earnings, our QNB Financial Services reached a milestone of $170 million in assets under management. The Bank continues to experience household and deposit growth as well as asset quality improvement,” stated David W. Freeman, President and Chief Executive Officer. “We are very proud to have been here for our customers and the community during the height of the pandemic. Moving forward, QNB stands ready to serve our customers’ banking needs in-person, via drive-in or online 24/7.”

Net Interest Income and Net Interest Margin

Net interest income for the quarter and six months ended June 30, 2021 totaled $10,218,000 and $20,735,000 respectively, an increase of $984,000 and $2,338,000, respectively from the same periods in 2020. Net interest margin was 2.74% for the second quarter of 2021 and 2.95% for the same period in 2020.  Net interest margin was 2.89% for the six months ended June 30, 2021, compared with 3.06% for the same period in 2020.

The yield on earning assets was 3.04% for the second quarter 2021, a decrease of 38 basis points from 3.42% in the second quarter of 2020. For the six-month period ended June 30, 2021, yield on earning assets was 3.22%, compared with 3.66% for the same period in 2020.  The cost of interest-bearing liabilities decreased 21 basis points to 0.39% for the quarter and 34 basis points to 0.42% for the six months ended June 30, 2021, compared with the same period in 2020.

Asset Quality, Provision for Loan Loss and Allowance for Loan Loss

QNB recorded a $183,000 provision for loan losses in the second quarter of 2021 compared with $250,000 in the second quarter 2020.  QNB's allowance for loan losses of $11,202,000 represents 1.22% of loans receivable at June 30, 2021 compared to $10,826,000, or 1.18% of loans receivable at December 31, 2020, and $10,464,000, or 1.19% of loans receivable at June 30, 2020.  Excluding the PPP loans, which are expected to be fully forgiven within the next six to twelve months, and are 100% guaranteed by the SBA, the allowance represents 1.29% of loans receivable.  Net loan charge offs were $96,000 and $82,000 for the quarter and six months ended June 30, 2021, respectively, compared with $120,000 and $173,000 for the same periods in 2020, respectively.   Annualized net loan charge-offs for the quarter and six months ended June 30, 2021 were 0.04% and 0.02% of average loans receivable, respectively.

Total non-performing loans, which represent loans on non-accrual status, loans past due 90 days or more and still accruing interest and restructured loans, were $12,515,000, or 1.36% of loans receivable at June 30, 2021, compared with $14,109,000, or 1.53% of loans receivable at December 31, 2020, and $15,060,000, or 1.71% of loans receivable at June 30, 2020.  In cases where there is a collateral shortfall on impaired loans, specific impairment reserves have been established based on updated collateral values even if the borrower continues to pay in accordance with the terms of the agreement. At June 30, 2021, $4,841,000, or approximately 59% of the loans classified as non-accrual are current or past due less than 30 days.  Commercial loans classified as substandard or doubtful loans totaled $22,533,000 at June 30, 2021, an increase of $340,000 from the $22,193,000 reported at December 31, 2020, and an increase of $8,265,000, or 57.9%, from the $14,268,000 reported at June 30, 2020. 

Non-Interest Income

Total non-interest income was $2,534,000 for the second quarter of 2021, a decrease of $283,000, or 10.0%, compared with the same period in 2020, due primarily to a combined $462,000 less improvement in realized and unrealized gain of the equity securities portfolio for the quarter ended June 30, 2021, compared with the same period in 2020.   The equities portfolio comprises blue-chip large-capitalized stocks, providing a taxable equivalent dividend yield of 3.05%.   The performance of the portfolio during the quarter and six months ended June 30, 2021 is commensurate with the overall performance of the U.S. stock market.   Net gain on sale of loans also decreased $245,000 when comparing the second quarter of 2021 with the same period in 2020, as there was a decrease in mortgage origination when comparing the periods. 

Increases in non-interest income for the quarter ended June 30, 2021 comprise; ATM and debit card income, fees for services to customers and retail brokerage and advisory income, which increased $193,000, $54,000 and $24,000, respectively, when compared to the same period in 2020.    

Other non-interest income increased $153,000 when comparing the two periods due to a recovery of the fair value of mortgage servicing rights totaling $63,000 and increased letter of credit, title insurance, merchant, credit card, sale of checks and bank-owned life insurance of $26,000, $23,000, $22,000, $8,000, $8,000 and $4,000, respectively.

For the six months ended June 30, 2021, non-interest income was $5,938,000, an increase of $4,692,000 compared to the same period in 2020, primarily due improved fair value of the equities portfolio totaling $3,449,000.  In addition to the improvement in fair value, the company realized an additional gain on sale of equities of $631,000 for the six months ended June 30, 2021, compared with $168,000 in gains on sale of equities for the same period in 2020. 

Excluding the realized gain and change in fair value of equities, net interest income increased $780,000, when comparing the two periods, primarily for the same reasons those described in the quarterly results, as well as a life insurance benefit claim of $193,000 received during the first quarter 2021.

Non-Interest Expense

Total non-interest expense was $7,749,000 for the second quarter of 2021, increasing $880,000, or 12.8% from $6,869,000  for the same period in 2020.  Salaries and benefits expense increased $357,000, or 9.0%, to $4,342,000 when comparing the two quarters.  Salary expense and related payroll taxes increased $470,000, to $3,665,000 during the second quarter 2021 compared to the same period in 2020 with increases in salary expense and incentive bonus of $89,000 and $246,000, respectively, as well as a reduction in deferred compensation related to loan originations of $127,000.  Medical premiums expense decreased $167,000 due to decreased medical claims when comparing the two periods.  Net occupancy and furniture and equipment expense increased $25,000, or 2.1%, to $1,205,000 for the second quarter 2021. 

Other non-interest expense increased $498,000, or 29.2%, when comparing second quarter 2021 with the same period in 2020.   Other non-operating expense increases comprise:  marketing, legal and accounting and other third party processing costs, FDIC insurance, state tax, travel and entertainment and director compensation of $106,000, $91,000, $69,000, $68,000, $50,000, and $18,000, respectively.  Marketing and travel and entertainment expense increases are due to the resumption of events, seminars and travel due the COVID-19 pandemic.  Increased state taxes are due to the increase in the Bank’s equity in the second quarter of 2021 compared to 2020 and a greater amount of tax credits received in 2020. 

For the six months ended June 30, 2021, non-interest expense was $15,072,000, an increase of $925,000, or 6.5%, compared to the same period in 2020.

Provision for income taxes decreased $47,000 to $951,000 in the second quarter 2021 due to decreased pre-tax income and a lower effective tax rate,  compared with the same period in 2020.  The effective tax rates for the quarter and six months ended June 30, 2021 were 19.7% and 20.0%, respectively, compared with 20.2% and 12.5%, respectively, for the same periods in 2020.  The low effective tax rate of 12.5% for six months ended June 30, 2020 is due to the decrease in fair value of the equities investments during that period.

About the Company

QNB Corp. is the holding company for QNB Bank, which is headquartered in Quakertown, Pennsylvania. QNB Bank currently operates twelve branches in Bucks, Montgomery and Lehigh Counties and offers commercial and retail banking services in the communities it serves.  More information about QNB Corp. and QNB Bank is available at www.qnbbank.com.

Forward Looking Statement

This press release may contain forward-looking statements as defined in the Private Securities Litigation Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various factors. Such factors include the possibility that increased demand or prices for the Company’s financial services and products may not occur, changing economic and competitive conditions, technological developments, and other risks and uncertainties, including those detailed in the Company’s filings with the Securities and Exchange Commission, including "Item lA. Risk Factors," set forth in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2020. You should not place undue reliance on any forward-looking statements. These statements speak only as of the date of this press release, even if subsequently made available by the Company on its website or otherwise. The Company undertakes no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this press release.

QNB Corp. Q2 2021 Earnings

QNB Corp. Q2 2021 Earnings

QNB Corp. Q2 2021 Earnings

Bruce Knipe Joins QNB Bank as Senior Vice President, Commercial Loan Officer

Quakertown, PA (July 1, 2021) – Bruce Knipe was recently named Senior Vice President, Commercial Loan Officer at QNB Bank. In his role, Bruce is responsible for managing a portfolio of commercial clients, growing existing relationships, and acquiring new relationships.

Bruce has been in banking for 37 years. He previously served as SVP, Commercial Lender at William Penn Bank. Bruce attended Delaware Valley College where he earned his bachelor’s degree in business administration. He is also a graduate of the Consumer Bankers Association School of Bank Management.

As an active member of the community, Bruce enjoys supporting various local community events and has served as a director for the Hilltown Township Water & Sewer Authority board for over 25 years.

QNB Bank Promotes Tracy Leaper to Assistant Vice President, Security/BSA Officer

Quakertown, PA (June 1, 2021) – Tracy Leaper was recently named Assistant Vice President, Security/Bank Secrecy Act (BSA) Officer at QNB Bank. In her role, Tracy is tasked with developing and maintaining the bank’s security program, implementing, and overseeing the bank’s BSA/Anti-Money Laundering compliance programs, and effective management of the Security/BSA Department. Her responsibilities include managing, reporting, and overseeing day-to-day compliance with the programs and regulatory requirements.

Tracy has been in banking for 23 years and has over 10 years of experience in fraud and BSA. She previously served as AVP, Security/Senior BSA Operations Specialist at QNB. Tracy attended Colorado Christian University where she earned both her bachelor’s and master’s degrees in criminal justice while minoring in information security.

As an active member of the community, Tracy enjoys supporting various local community events and is Secretary of the Doylestown Quarter Midget Racing Club.

QNB Corp. Declares Dividend

Quakertown, PA (May 25, 2021) The Board of Directors of QNB Corp. (OTC Bulletin Board: QNBC), parent company of QNB Bank, at a regular meeting on May 25, 2021 declared a quarterly cash dividend of $0.35 per share. The cash dividend is payable on June 25, 2021 to shareholders of record June 11, 2021.

QNB Corp. offers commercial and retail banking services through the twelve banking offices of its subsidiary, QNB Bank. QNB Corp.’s stock is traded in the over-the-counter market under the symbol “QNBC.” For more information, visit QNB’s web site at QNBbank.com.

QNB Bank Donates $40,000 to Local Education Organizations

Quakertown, PA (April 28, 2021) QNB Bank recently donated $40,000 to local education organizations through the State of Pennsylvania’s Educational Improvement Tax Credit (EITC) program. The program awards tax credits to businesses for contributions to Educational Improvement Organizations. Since 2017, QNB has donated $192,750 through the program.

For 2021, QNB donated to the following 17 organizations: Allentown School District Foundation, Allentown Symphony Association, Big Brothers Big Sisters of Bucks County, Big Brothers Big Sisters of the Lehigh Valley, Boy Scouts of America - Minsi Trails Council, Bucks County Community College Foundation, Camelot for Children, Centennial Education Foundation, Communities in Schools of the Lehigh Valley, Inc., Flint Hill Farm Educational Center, Inc., Lansdale Library Association, Lehigh Carbon Community College Foundation, North Penn School District Educational Foundation, Touchstone Theatre, Upper Perkiomen Education Foundation, Valley Youth House Committee, Inc., and YMCA of Bucks County.

QNB is a full-service community bank that has provided exceptional personalized banking services to individuals and businesses since 1877. With assets of approximately $1.5 billion, QNB currently operates twelve branches in Bucks, Montgomery and Lehigh Counties. More information about QNB is available at QNBbank.com.

QNB Corp. Reports Earnings for First Quarter 2021

Quakertown, PA (April 27, 2021) QNB Corp. (the “Company” or “QNB”) (OTC Bulletin Board: QNBC), the parent company of QNB Bank, reported net income for the first quarter of 2021 of $5,050,000, or $1.42 per share on a diluted basis, compared to net income of $220,000, or $0.06 per share on a diluted basis, for the same period in 2020. 

The increase in net income and earnings per share, when comparing the two periods, is due in part to improved performance for QNB Bank and a non-cash increase to non-interest income, a result of improved fair values of the equity securities portfolio held by QNB Corp, our bank holding company.  The following table presents disaggregated net income:

2021 Q1 Earnings Figures 1 of 4

Total assets as of March 31, 2021 were $1,570,519,000 compared with $1,440,229,000 at December 31, 2020.  Loans receivable at March 31, 2021 were $945,645,000 compared with $920,042,000 at December 31, 2020, an increase of $25,603,000, or 2.8%.  Total deposits at March 31, 2021 were $1,341,616,000, increasing $113,549,000, or 9.2%, compared with $1,228,067,000 at December 31, 2020.

“We are pleased to report record net income and earnings per share”, said David W. Freeman, President and CEO.  “Although there is still economic uncertainty and many businesses and households are experiencing difficulty, the local and national management of the crisis and especially the rapid rollout of vaccines provides hope.  Throughout this health and economic crisis, QNB continues to serve our community and we continued to see growth in our households, deposits and loans.”

Net Interest Income and Net Interest Margin

Net interest income for the quarter ended March 31, 2021 totaled $10,517,000, an increase of $1,354,000 from the same period in 2020. The net interest margin was 3.07% for the first quarter of 2021, declining eleven basis points compared with the 3.18% for the same period in 2020.  The yield on earning assets was 3.41% for the first quarter 2021, a decrease of 51 basis points from 3.92% in the first quarter of 2020.  The cost of interest-bearing liabilities decreased 48 basis points to 0.44% for the first quarter ended March 31, 2021, compared with 0.92% for the same period in 2020.  Net interest income and margin were supported in part by the forgiveness of SBA Paycheck Protection Program loans and the recognition of related fee income.

The decrease in margin is due to repricing loans and prepayment of available for sale investments, and reinvesting in bonds with lower rates, as the general level of interest rates decreased dramatically, starting in February 2020.  In addition to the repricing of the loan and investment portfolio, the decrease in net interest margin is also attributable to the increase in interest-bearing cash as a percentage of earnings assets, when comparing the two periods.

Asset Quality, Provision for Loan Loss and Allowance for Loan Loss

QNB recorded a $275,000 provision for loan losses in the first quarter of 2021 compared with $500,000 in the first quarter 2020.  QNB's allowance for loan losses of $11,115,000 represents 1.18% of loans receivable at March 31, 2021 compared to $10,826,000, or 1.18% of loans receivable at December 31, 2020, and $10,334,000, or 1.26% of loans receivable at March 31, 2020. Net loan recoveries were $14,000 for the first quarter of 2021, compared with charge-offs of $53,000, or 0.03%, annualized as a percent of average loans for the first quarter of 2020.

Total non-performing loans, which represent loans on non-accrual status, loans past due 90 days or more and still accruing interest and restructured loans were $13,266,000, or 1.40% of loans receivable at March 31, 2021, compared with $14,109,000, or 1.53% of loans receivable at December 31, 2020, and $15,861,000, or 1.93% of loans receivable at March 31, 2020. In cases where there is a collateral shortfall on impaired loans, specific impairment reserves have been established based on updated collateral values even if the borrower continues to pay in accordance with the terms of the agreement.  At March 31, 2021, $4,809,000, or approximately 54% of the loans classified as non-accrual are current or past due less than 30 days.    At March 31, 2021, commercial substandard or doubtful loans totaled  $21,935,000, a decrease of $258,000 from the $22,193,000 reported at December 31, 2020 and an increase of $6,762,000, from the $15,173,000 reported at March 31, 2020.

Non-Interest Income

Total non-interest income was $3,404,000 for the first quarter of 2021, an increase of $4,975,000 compared with the same period in 2020.  The unrealized gain in the equities portfolio was $1,096,000 at March 31, 2021, compared with an unrealized loss of $2,940,000 at March 31, 2020.  The equities portfolio comprises blue-chip large-capitalized stocks, providing a taxable equivalent dividend yield of 3.26%.   The performance of the portfolio during both periods is commensurate with the overall performance of the U.S. stock market.  In addition to the improved fair value, the company realized $339,000 in gains on sale from the equities portfolio during the first quarter 2021.  The estimated cumulative contribution (realized and unrealized net gains, plus dividends) of the equities portfolio to earnings per share from January 1, 2011 through March 31, 2021 is $2.14 per share.

Excluding the realized and unrealized gain/(loss) of equities, non-interest income increased $600,000, or 43.8% when comparing the two periods.  Increases in non-interest income comprise; ATM and debit card income, retail brokerage and advisory income, net gain on sale of loans and other income, which increased $105,000, $54,000, $271,000, and $279,000 respectively, in first quarter 2021 compared with the same period in 2020.  ATM and debit card income improved as card-based transactions increased when comparing the two periods.  Brokerage and advisory income increased due to the improved performance of assets under management.  Gain on sale of mortgages reflects the increased refinance and purchase activity when comparing the two periods.  The increased other fee income comprises: a life insurance benefit claim of $193,000 during the first quarter of 2021, increased title insurance income of $37,000, reflecting the increased mortgage activity during the period,  increased merchant income of  $13,000 due to increased transaction volume, additional letter of credit income of $24,000, and increased mortgage servicing fee income of $7,000.

Fees for services to customer decreased $112,000 or 27.3% when comparing the two periods, primarily due to a decrease in overdraft fee income.  The number of overdraft items decreased due to increased average deposit balances in customer accounts, in part due to government payments to consumers and businesses during the pandemic, and lack of discretionary spending opportunities due to government-mandated business operating restrictions, brought on by the coronavirus.

Non-Interest Expense

Total non-interest expense was $7,323,000 for the first quarter of 2021, increasing $45,000, or 0.60% from $7,278,000  for the same period in 2020.  Salaries and benefits expense decreased $55,000, or 1.4%, to $4,017,000 when comparing the two quarters.  Salary expense and related payroll taxes decreased $3,000 to $3,428,000 during the first quarter 2021 compared to the same period in 2020, with increases in salary expense and incentive bonus of $44,000 and $74,000, respectively offset by $122,000 additional deferred compensation related to loan originations.  Medical premiums expense decreased $87,000 when comparing the two periods, due to reduced medical claims.  Net occupancy and furniture and equipment expense increased $90,000, or 7.5%, to $1,288,000 for the first quarter 2021, due primarily to increased building repairs and maintenance expense (additional cleaning and snow removal), and software maintenance of $100,000 and $35,000, respectively, offset in part by reduced leasehold and furniture and fixtures depreciation and equipment maintenance expenses  of $9,000, $28,000, and $15,000, respectively, when comparing the two quarters.  Other non-interest expense increased $10,000, or 0.50%, when comparing first quarter 2021 with first quarter 2020. Increased third party services expense, state taxes, FDIC deposit insurance, check card processing expenses and loan origination expenses of $34,000, $30,000, $34,000, $18,000, and $28,000 we offset in part due to decreased marketing, travel and entertainment, and third party loan processing expenses of $108,000, $33,000, and $10,000, respectively.

Income tax expense was $1,273,000 in the first quarter 2021, compared to a benefit of $406,000 in the first quarter 2020 due to increased pre-tax income.

About the Company

QNB Corp. is the holding company for QNB Bank, which is headquartered in Quakertown, Pennsylvania. QNB Bank currently operates twelve branches in Bucks, Montgomery and Lehigh Counties and offers commercial and retail banking services in the communities it serves.  More information about QNB Corp. and QNB Bank is available at QNBbank.com.

Forward Looking Statement

This press release may contain forward-looking statements as defined in the Private Securities Litigation Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various factors. Such factors include the possibility that increased demand or prices for the Company’s financial services and products may not occur, changing economic and competitive conditions, technological developments, and other risks and uncertainties, including those detailed in the Company’s filings with the Securities and Exchange Commission, including "Item lA. Risk Factors," set forth in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2020. You should not place undue reliance on any forward-looking statements. These statements speak only as of the date of this press release, even if subsequently made available by the Company on its website or otherwise. The Company undertakes no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this press release

2021 Q1 Earnings Figure 2 of 4

2021 Q1 Earnings Figure 3 of 4

2021 Q1 Earnings Figure 4 of 4

QNB Bank Seeking Student Art for 2022 Collector Calendar

QUAKERTOWN, PA | April 9, 2021 – QNB Bank is seeking artwork for its 2022 Student Art Calendar Contest from high school students (grades 9-12) of all schools in the QNB Bank market area. This will be the 26th installment of the QNB Student Art Collector Calendar.

The theme for this year is “Industry & Invention” and the art format is the same as years past – a pen and ink drawing. Fourteen drawings will be selected by the Bank to be featured in the calendar. Entry forms with a full list of rules and regulations for the contest can be picked up at any QNB Bank location, participating schools’ art departments, or on our website at QNBbank.com/contest. Artwork may be mailed to:

QNB Bank
Attn: Marketing Department
PO Box 9005
Quakertown, PA 18951-9005

Winners of the contest will be chosen and notified in June. Questions may be directed to the QNB Bank Marketing Department at 215-538-5600 ext. 5756.

QNB Bank Promotes Gerry Donlon to Vice President, Director of IT

Quakertown, PA (March 1, 2021) – Gerry Donlon was recently named Vice President, Director of Information Technology at QNB’s Towne Bank Center. In his role, Gerry is responsible for the efficient and effective operation of the IT Department. His responsibilities include core and item processing, telecommunications, internet and voice banking, operations, and database management.

Gerry has been in banking for 7 years, previously serving as Assistant Vice President, Network Administrator at QNB. He attended Penn State University for Computer Science and is currently pursuing a degree in business management. Gerry is also a Microsoft Certified Solutions Expert, Watchguard Certified Security Professional, and VMware Certified Professional.

Gerry lives in Brodheadsville with his family. As an active member in the community, he enjoys supporting various local community events and is a member of the PA Bankers Information Security and Technology committee.

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