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When ArcGIS for Desktop starts, it attempts to load the default locators or geocode services that are contained within the DefaultLocators.xml file.
These locators are used for single address matching using the geocoding toolbar and the Find tool, and batch geocoding using the Geocode Addresses dialog box.
This DefaultLocators.xml file contains geocode services that are hosted at ArcGIS.com and attempts to load these services when the above mentioned tools or dialog boxes are opened.
To disable loading of the geocode services that are hosted at ArcGIS.com, the references to these online services must be removed in the DefaultLocators.xml file. For more information, see the web help topic 'Setting default locators in ArcMap'.