J. Curtis Joyner

Memill Lynch - Mutual Funds:

ML Disciplined EQ CL A — Int/Div

ML Global Allocation A — Int/Div

ML Intl Value FDCL A — Int/Div

ML LARGE CAP CORE — Int/Div

Memill Lynch - Money Account:

ML Bank USA RASP — Int/Div

Citizens - IRA — Interest

Vanguard - Mutual Funds:

Internat’l Growth Inv. IRA — Int/Div

US. Growth Fund Inv. IRA — Int/Div

DNB Financial Corp.

Common Stock — Int/Div

First Niagara Financial

Common Stock — Int/Div

Spouse's income — 2013 — DNB FINANCIAL CORP

| have removed Lines 14 and 17 from my Report to clear up any confusion that may exist. Previous Line 14 of Part VII is the stock market symbol for the asset

listed on lines 12 and 13. Likewise, previous Line 17 of Part VII is the stock market symbol for the asset listed on line 15 and 16. Please make this change on my

previously filed 2012 Financial Disclosure report which was approved by the Committee. Thank you for your assistance.