X0508 4 2023-12-31 1 0001609065 Pathfinder Bancorp, Inc. PBHC 0001214100 JOYCE GEORGE P 214 WEST FIRST STREET OSWEGO NY 13126 1 0 0 0 0 Common Stock 24689 D Common Stock 13731 I By IRA Common Stock 102000 I By POA On June 4, 2021, George P. Joyce retired from the Board of Pathfinder Bancorp, Inc. and continued to serve as a Director on the Board of Pathfinder Bank. On December 31, 2023, George P. Joyce retired from the Board of Directors for Pathfinder Bank. /s/ James A. Dowd as POA for George P. Joyce 2024-01-02