On March 29, 2023, James A. Dowd, age 55, was named President and Chief Executive Officer of Pathfinder Bancorp, Inc. (the “Company”) and its bank subsidiary, Pathfinder Bank (the “Bank”). Mr. Dowd has been the Interim President and Chief Executive Officer of the Company and the Bank since April 2022 and previously served as Chief Financial Officer of the Company and the Bank from 2000 to 2017 and Chief Operating Officer of the Company and the Bank from 2017 until 2022. Mr. Dowd will also be nominated by the Company's Board of Directors for election to serve as a member of the Company's Board, pending approval by the Company's shareholders at its annual meeting on June 1, 2023.

Mr. Dowd served as interim President and Chief Executive Officer since April 2022 and continues to hold the title of Chief Operating Officer of the Company and the Bank. Mr. Dowd joined Pathfinder Bank in 1994, as Controller and has since held many prominent roles within the organization. In 1999, he was promoted to Chief Financial Officer followed by Chief Operating Officer in 2017.

Most recently, Mr. Dowd held the position of Executive Vice President and Chief Operating Officer. Mr. Dowd is passionate about community involvement. He has served on the boards of many local organizations over the years including Oswego Harbor Festivals Inc., Arts and Culture for Oswego County, Oswego Health Audit Committee, and Riverside Cemetery.

Mr. Dowd is currently serves as Treasurer of the Board of the Oswego County Land Bank and is an active member of the Board for the Oswego Renaissance Association. Most recently, Mr. Dowd accepted his appointment as a member of the Board of Directors of CenterState CEO, and will begin serving in that role later this year.