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Raymond F. O'Conor

Raymond F. O'Conor, age 68, became a Director of the Company on January 1, 2017; he has been a Director of Saratoga National Bank since 1996 and Chairman of the Saratoga National Bank Board since 2001; he has also served as a Director of Glens Falls National Bank since April 2022. He was a Senior Vice President of the Company from 2009 until his retirement in 2012 and also served as President and CEO of Saratoga National Bank from 1995 until his retirement at the end of 2012. Mr. O’Conor is also a published author and CEO of Saratoga County Capital Resource Corporation, a community development agency. He has an extensive knowledge of community banking, and more specifically, the Company, as a former member of the executive management team.