ADIRONDACK TRUST COMPANY APPOINTS BRIAN C. FAY, CMA, AS NEW CHIEF FINANCIAL OFFICER

Saratoga Springs, New York-Adirondack Trust Company today announced the appointment of Brian C. Fay, CMA, as the organization's new Chief Financial Officer, effective immediately. Fay succeeds Jack Arnold, CPA, who is retiring after serving as Adirondack Trust's CFO since 2004.

"On behalf of the entire Adirondack Trust family, I want to express our heartfelt gratitude to Jack for his dedicated service and leadership over the past 20 years," said Adirondack Trust President & CEO Charles V. Wait, Jr. "Jack has played a pivotal role in the Bank's growth and success, and we wish him all the best in his well-deserved retirement."

"Brian's extensive 30+ year career in finance and accounting, along with his proven leadership in driving strategic initiatives, make him the ideal candidate to serve as our new Chief Financial Officer," continued Wait. "His deep expertise in areas such as financial analysis, budgeting, regulatory reporting, and asset-liability management will be invaluable as we continue to enhance our financial operations and support the Bank's growth."

In his new role, Fay will oversee all of Adirondack Trust's accounting and finance functions, including general ledger, accounts payable, budgeting, investment portfolio management, and regulatory reporting. He will also serve as a key strategic partner to the Bank's executive leadership team.

Most recently, Fay served as Senior Vice President, Chief Financial Officer, and IT Director at Sawyer Savings Bank in Saugerties, NY. In this position, he was responsible for overseeing the bank's financial and accounting functions, managing daily liquidity, chairing the Asset Liability Management Committee, and overseeing enterprise risk management. Prior to Sawyer Savings Bank, Fay was CFO at the National Bank of Coxsackie and served in various finance leadership positions at RBS Americas and FleetBoston Financial.

"I am thrilled to join the exceptional team at Adirondack Trust," said Fay. "The Bank's strong commitment to its customers and the local community aligns perfectly with my own values and approach to financial management. I look forward to leveraging my expertise to drive continued efficiency, profitability, and growth for the organization."

Fay holds a Master of Science in Banking and Money Management from Adelphi University and a Bachelor of Arts in Economics from Fairfield University. He is also a Certified Management Accountant (CMA).

The Adirondack Trust Company is an independent, locally owned and operated, community bank offering a wide variety of business and personal financial services. The Bank has more than $1.6 billion in assets and 13 branch offices. The Bank offers banking, trust, insurance, and wealth management services, and originates real estate mortgages, both residential and commercial, and commercial business loans throughout its primary market area. The Bank is a Bauer 5-Star Rated Superior bank. The Bank's website is AdirondackTrust.com.