Bruce E. Manwaring

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.

Pathfinder Bancorp, Inc. operates as a bank holding company, which through its subsidiary, Pathfinder Bank provides commercial banking services. The bank is primarily engaged in the business of attracting deposits from the general public in its market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. It invests a portion of its assets in securities issued by the U.S. Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The bank also invests in mortgage-backed securities primarily issued or guaranteed by U.S. Government sponsored enterprises. Pathfinder Bancorp was founded in 1995 and is headquartered in Oswego, NY.