Elizabeth A. Miller, age 69, has been a Director of the Company since January 2017; she has been a Director of Glens Falls National Bank and Saratoga National Bank, both now named Arrow Bank, since 2015 and April 2022, respectively. Ms. Miller is President and Chief Executive Officer ("CEO") of Miller Mechanical Services, Inc. in Glens Falls, New York. Ms. Miller is a leading commercial and residential investor in downtown Glens Falls. She holds bachelor’s and master’s degrees from the College of Saint Rose. Ms. Miller has a strong understanding of the community and its business base, particularly local manufacturing.