INDEPENDENT DIRECTOR Age: 73 Joined the Board: October 2015 Board Committees: Risk (Chair); Audit Other Current Public Company Directorships: None Career Highlights 2004 to 2015 (Retirement) First Vice President (2nd highest ranking officer), Chief Operating Officer and an alternate voting member of the Federal Open Market Committee, Federal Reserve Bank of New York 1999 to 2003 Executive Vice President and Director for the Research and Market Analysis Group, Federal Reserve Bank of New York 1994 to 1999 Senior Vice President for the Bank Supervision Group, Federal Reserve Bank of New York Further Information Ms. Cumming currently serves on the board of MIO Partners, Inc. (since 2018). She previously served on the boards of the Financial Accounting Foundation (from 2016 to 2020), and the American Family Insurance Mutual Holding Company (from 2016 to 2025). Ms. Cumming is an adjunct professor at Columbia University and serves as a trustee of the Columbia-Greene Community College Foundation (since 2022). She also serves on the board of our primary subsidiary CBNA. Ms. Cumming holds both a B.S. and Ph.D in economics from the University of Minnesota. Relevant Skills and Experience Financial Services Compliance & Regulations Financial Reporting & Capital Planning Risk Management Ms. Cumming is a seasoned bank regulatory executive with over 35 years at the Federal Reserve Bank of New York, including serving as First Vice President and Chief Operating Officer. She has extensive background in risk management, monetary policy, and bank supervision having had responsibility for the Bank Analysis and Advisory and Technical Services functions during her service at the Federal Reserve Bank of New York. She has experience in crisis management as chair of the Cross-Border Crisis Management Group, an international group of supervisors which coordinated recovery and resolution planning for large, global financial institutions for the Resolution Steering Group of the G-20 s Financial Stability Board.