Dr. Kristine D. Duffy, age 59, became a Director of the Company on November 5, 2024. She has been a Director of the Company’s subsidiary banks, Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, both now named Arrow Bank, since 2019 and April 2022, respectively; and a Director of the Company’s insurance subsidiary Upstate Agency, Inc., since 2020. Dr. Duffy serves as the seventh President of SUNY Adirondack. She has more than 35 years experience in New York State higher education. Before her current position, she served for seven years as Vice President of Enrollment Management and Student Services at Onondaga Community College and six years as Dean of Enrollment Management at Cayuga Community College. Dr. Duffy holds a Doctor of Education in Executive Leadership from St. John Fisher College, a Master of Science in Guidance and Counseling from Russell Sage College and a Bachelor of Science in Business Administration from SUNY Brockport. Dr. Duffy currently serves on the Warren County Economic Development Corporation.