Wayne F. Patenaude

Founded in 1851, Glens Falls National Bank & Trust Co. is a subsidiary of Arrow Financial Corp. (NASDAQ: AROW), a New York corporation and bank holding company. Glens Falls National Bank & Trust offers access to a full range of investments including stocks, bonds, mutual funds and annuities through their partnership with LPL Financial, a registered broker/dealer. The firm manages a wide range of individual, institutional and charitable accounts, including: Personal and Charitable Trusts; Investment Management Accounts and IRAs; Pension, Profit-Sharing and 401(k) Plans; and Other Types of Retirement Plans.

Chu, Ring & Hazel LLP provides legal services to start-up enterprises and ongoing private and public companies engaged in any number of fields such as biotechnology, medical devices, software and computers, electronics, health care, telecommunications, and banking and financial services. It specializes in tax and estate planning, shareholder arrangements, and corporate transactions. The company was founded by John H. Chu and James F. Ring in February 1995 and is headquartered in Boston, MA.

Founded in 1898, Northeastern University is a private research university located in the heart of Boston. Northeastern teaches worldwide experiential learning, urban engagement, and interdisciplinary research that meets global and societal needs. The University offers a range of undergraduate and graduate programs leading to degrees through the doctorate in nine colleges and schools.

Cambridge Financial Group, Inc. provides investment advisory services. The firm operates as a holding company for Cambridge Savings Bank which provides banking and trust services through offices in eastern Massachusetts. Its services include checking and savings accounts, CDs, IRAs and merchant card processing. The company is headquartered in Cambridge, MA.

Founded in 1986, Cabot Properties, Inc. is a private equity real estate investment firm. The firm is headquartered in Boston, Massachusetts.

Part of Servus Management Corp., R.M. Bradley & Co., Inc. is a company that provides a range of real estate services. The company is based in Boston, MA. R.M. Bradley & Co. was acquired by Servus Management Corp. on March 07, 2008.

The Consumer Bankers Association focuses on retail banking. The company was founded in 1919 and is headquartered in Washington, DC.

National Braille Press, Inc. provides access to information that empowers blind people to actively engage in work, family, and community affairs. It promotes literacy for blind children through outreach programs and provides access to information by producing information in braille for blind children and adults. The company was founded by Francis B. Ierardi in 1927 and is headquartered in Boston, MA.

Part of Arrow Financial Corp., Saratoga National Bank & Trust Co. is a financial institution that offers personal and business banking services, including checking and savings accounts, loans, credit cards, and wealth management services. The company is based in Saratoga Springs, NY. The bank is committed to giving back to its communities through volunteering, sponsorships, and donations. It is also licensed to sell insurance in the state through its non-bank subsidiary, Upstate Agency, LLC. David S. DeMarco has been the CEO of the company since 2012.