Arrow Financial Corp. Watch

from S-8 8 pages Arrow Financial Corporation 2023 Employee Stock Purchase Plan

from 10-K 1 page Arrow Financial Corporation Description of Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934

from 10-K 5 pages Guarantee Agreement Between Arrow Financial Corporation, as Guarantor, and Wilmington Trust Company, as Guarantee Trustee Dated as of December 28, 2004 Arrow Capital Statutory Trust III

from 10-K 12 pages Placement Agreement Among Arrow Financial Corporation, Arrow Capital Statutory Trust III and Suntrust Capital Markets, Inc. Dated as of December 28, 2004 1

from 10-K 8 pages Junior Subordinated Indenture Between Arrow Financial Corporation and Wilmington Trust Company, as Trustee Dated as of December 28, 2004 -I

from 10-K 17 pages Amended and Restated Trust Agreement Among Arrow Financial Corporation, as Depositor Wilmington Trust Company, as Property Trustee Wilmington Trust Company, as Delaware Trustee and the Administrative Trustees Named Herein as Administrative Trustees Dated as of December 28, 2004 Arrow Capital Statutory Trust III I

from 10-Q ~20 pages Guarantee Agreement by and Between Arrow Financial Corporation and U.S. Bank National Association Dated as of July 23, 2003 Guarantee Agreement

from 10-Q ~20 pages Arrow Capital Statutory Trust II $ 10,000,000 Floating Rate Capital Securities (Liquidation Amount $1,000.00 Per Capital Security) Fully and Unconditionally Guaranteed as to Distributions and Other Payments by Arrow Financial Corporation Placement Agreement

from 10-Q ~50 pages Arrow Financial Corporation, as Issuer Indenture Dated as of July 23, 2003 U.S. Bank National Association, as Trustee Floating Rate Junior Subordinated Deferrable Interest Debentures Due 2033 #

from 10-Q >50 pages Amended and Restated Declaration of Trust by and Among U.S. Bank National Association, as Institutional Trustee, Arrow Financial Corporation as Sponsor, and Thomas L. Hoy, John J. Murphy and Gerard R. Bilodeau, as Administrators, Dated as of July 23, 2003 #

from S-4 ~10 pages Form of Series B Capital Securities Guarantee Agreement

from S-4 ~5 pages Form of 9.50% Series B Capital Security Certificate [Form of Face of Security]

from S-4 ~10 pages Terms of Series a/Series B Capital Securities Common Securities

from S-4 1 page Declaration of Trust of Arrow Capital Trust I

from S-4 1 page Certificate of Trust of Arrow Capital Trust I This Certificate of Trust of Arrow Capital Trust I (The "Trust"), Dated as of November 22, 1999, Has Been Duly Executed and Is Being Filed by the Undersigned, as Trustee, to Form a Business Trust Under the Delaware Business Trust Act (12 Del. C. Section 3801 Et Seq.). 1. Name. the Name of the Business Trust Formed Hereby Is Arrow Capital Trust I (The "Trust"). 2. Delaware Trustee. the Name and Business Address of the Trustee of the Trust With a Principal Place of Business in the State of Delaware Are Chase Manhattan Bank Delaware, 1201 Market Street, Wilmington, Delaware 19801. 3. Effective Date. This Certificate of Trust Shall Be Effective Upon Filing in the Office of the Secretary of State of the State of Delaware. in Witness Whereof, the Undersigned Trustee of the Trust Has Executed This Certificate of Trust as of the Date First Above Written. Chase Manhattan Bank Delaware, Not in Its Individual Capacity but Solely as Trustee of the Trust By: /S/ John J. Cashlin Name: John J. Cashin Title: Vice President

from S-4 ~5 pages Unless This Security Is Presented by an Authorized Representative of the Depository Trust Company, a New York Corporation ("Dtc") to the Issuer or Its Agent for Registration of Transfer, Exchange or Payment, and Any Security Issued Is Registered in the Name of Cede & Co. or in Such Other Name as Requested by an Authorized Representative of Dtc (And Any Payment Hereon Is Made to Cede & Co. or to Such Other Entity as Is Requested by an Authorized Representative of Dtc), Any Transfer, Pledge or Other Use Hereof for Value or Otherwise by or to Any Person Is Wrongful as the Registered Owner Hereof, Cede & Co., Has an Interest Herein.]

from S-4 ~50 pages Arrow Financial Corporation Indenture Dated as of December 13, 1999 the Chase Manhattan Bank as Trustee

from S-8 ~5 pages Indenture or similar

from S-8 ~10 pages 1998 Long Term Incentive Plan

from 8-A12G ~20 pages Indenture or similar