ARROW FINANCIAL CORPORATION

Business management supervision of banks and insurance companies; Financial management; Banking services; Insurance agency and brokerage; Merchant banking; Auto lending services; Insurance services in the nature of loss control management for others; Insurance and financial information and consultancy services; Online banking services accessible by means of downloadable mobile applications; Financial services, namely, wealth management services; Mortgage financing services; Financing and loan services; Mortgage financing services; Commercial lending services; Investment advisory services; Investment banking services; investment research services; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services