Daniel J. White, age 60, became a Director of the Company and its subsidiary banks, Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, both now named Arrow Bank, on November 5, 2024. He is a retired Managing Partner of KPMG, LLP Albany. Prior to joining KPMG, he was an Albany Office financial services audit Senior Manager with Ernst & Young. He has 37 years of diversified experience serving financial services-rated entities, including publicly traded bank holding companies, community banks, foreign-owned banks, thrifts, broker-dealers, mortgage banks, asset-based lenders and commercial paper conduits. Mr. White was also a KPMG SEC Reviewing Partner and served as the SEC reviewing partner for some of the firm's largest Community Bank Clients in the Northeast and Mid-West. He is a graduate of Siena College and a licensed CPA in New York state. Mr. White previously served as a board member and executive committee member of Proctors Theater and a board member of the Capital District Center for Economic Growth.