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Lynne Ruffner serves as the VP/Commercial Lending Relationship Manager II at Citizens & Northern Bank since September 2022. Prior to this role, Lynne held the position of VP/Northern Tier Retail Sales Manager at Juniata Valley Bank from March 2017 to September 2022. Lynne also has experience as the Director of Lending at Discovery Federal Credit Union from August 2010 to March 2017.