Disclosures

Website General Terms, Conditions and Disclaimer

Important Notice

Please read these terms and conditions carefully. By accessing and using this Web site, you agree to be bound by the terms and conditions that follow. If you do not agree to the terms and conditions below, do not access this Web site. References to Arrow Financial Corporation include Arrow Financial Corporation and all of its affiliated companies.

No Warranties

The information and materials contained as part of this site are provided on an “as is” and “as available” basis. Arrow Financial Corporation does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials due to circumstances beyond its control.

Limitation of Liability

In no event shall Arrow Financial Corporation be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses arising in connection with the Web site, the use of the Web site, or the inability of anyone to use the Web site. Arrow Financial Corporation shall also not be liable for any damages, losses or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. Arrow Financial Corporation shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses or expenses.

Hyperlinks

Hyperlinks to other Internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources may not be investigated, verified or monitored by Arrow Financial Corporation, and such links are not endorsed by Arrow Financial Corporation unless otherwise specifically stated.

Products and Services

This Web site, and the products and services that are described or offered through this Web site, can be amended in whole or in part or terminated at any time. Users of the Web site shall have no right to expect the continuation of any part of the Web site nor any products and services that are described or offered though the Web site. Your eligibility for particular products and services is subject to final determination and acceptance by Arrow Financial Corporation.

Submissions

All information submitted by you via this Web site may be used by Arrow Financial Corporation in any manner that complies with the applicable laws and regulations and the policies of Arrow Financial Corporation.

Copyright

Arrow Financial Corporation or a third party vendor own the copyright to the pages and the screens displaying the pages that appear on this Web site.

Trademarks and Service Marks

Arrow Financial Corporation or a third party vendor own the claim trademark and service mark rights in marks contained in the pages.

No Waiver

No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of Arrow Financial Corporation, and no waiver shall deem to imply or constitute a continuing waiver or that of any other term or condition

Governing Law

These terms and conditions are governed by Federal laws and regulations and those of the State of New York.

Subsequent Changes

Terms and conditions posted here are subject to change at Arrow Financial Corporation’s discretion.