Arrow Financial Services LLC Leadership

Andrew J. Wise has over 30 years of experience building and leading both community banks and bank owned insurance agencies. He has extensive experience in designing, implementing and managing automated workflows, delivering operational efficiency and high performing financial results.

Mr. Wise has a proven track record of leadership, teamwork, consensus building, project management, process improvement, and problem solving. With knowledge in financial management, operational management and information technology - he has successfully contributed in a wide array of large scale projects, from core banking conversions to the acquisition and integration of multiple property & casualty and employee benefit independent insurance agencies. Areas of expertise include:

• Financial Management

• Operational Management

• Information Technology

• Vendor Management

• Information Security

• Procurement

• Mergers & Acquisitions

• Project Management

Dave DeMarco is an Exec VP/Chief Banking Ofcr at Glens Falls National Bank & Trust, Chairman at Capital Financial Group, and President/CEO at Saratoga National Bank & Trust and is based in Saratoga Springs, New York. He has worked as President at Glens Falls Natl Bnk & TR Co, Manager:Commrl Loan at Glens Falls Natl Bnk & TR Co, and Senior Vice President at ARROW FINANCIAL CORP. David works or has worked as Board of Trustees of Saratoga Hospital Foundation at Saratoga Hospital, Board of Directors at CENTER FOR ECONOMIC GROWTH, and MEMBER at Glens Falls Civic Center Foundation Inc. He studied at Stonier Graduate School Of Banking between 1996 and 1998, University of Texas at Austin/The between 1980 and 1984, and ABA Stonier Graduate School of Banking.

David D Kaiser is a Senior VP/Chief Loan Ofcr at ARROW FINANCIAL CORP, Senior VP/Chief Credit Officer at ARROW FINANCIAL CORP, and Exec VP/Chief Credit Officer at Glens Falls National Bank & Trust and is based in Glens Falls, New York. He has worked as Senior Vice President at ARROW FINANCIAL CORP. David works or has worked as BOARD MEMBER at Prospect Child & Family Center. He attended Siena College.

Edward J. Campanella, is Senior Executive Vice President, Treasurer and Chief Financial Officer for Arrow Financial Corporation and Executive Vice President, Treasurer and Chief Financial Officer for the Company’s lead subsidiary, Glens Falls National Bank and Trust Company. Mr. Campanella joined the Company in 2017. He graduated from Suffolk University in Boston.