Standard Contracts
Exhibit 99 Exhibit 99.3 April __, 2000 FORM OF EXCHANGE AGENT AGREEMENT The Chase Manhattan Bank 450 West 33rd Street 15th Floor New York, New York 10001 Ladies and Gentlemen: Arrow Financial Corporation (the "Company") and Arrow Capital Trust I (the...Exchange Agent Agreement • April 18th, 2000 • Arrow Financial Corp • National commercial banks
Exhibit 4 Exhibit 4.8 FORM OF SERIES B CAPITAL SECURITIES GUARANTEE AGREEMENT Arrow Financial Corporation Dated as of _______ __, 2000 TABLE OF CONTENTS ARTICLE I DEFINITIONS 2 SECTION 1.1 Definitions. 2 ARTICLE II TRUST INDENTURE ACT 5 SECTION 2.1...Series B Capital Securities Guarantee Agreement • April 18th, 2000 • Arrow Financial Corp • National commercial banks • New York
Exhibit 4 Exhibit 4.4 DECLARATION OF TRUST OF ARROW CAPITAL TRUST I THIS DECLARATION OF TRUST is made as of November 19, 1999 (this "Trust Agreement"), by and between Arrow Financial Corporation, a New York corporation, as sponsor (the "Sponsor"), and...Trust Agreement • April 18th, 2000 • Arrow Financial Corp • National commercial banks • Delaware
