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1

Must have a bank account in the U.S. to use Zelle®. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Zelle and the Zelle related marks and logos are wholly owned by Early Warning Services, LLC and used herein under license.

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Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.

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Deposits are subject to verification. Funds not available for immediate withdrawal. Deposit limits and other terms, conditions, fees and restrictions may apply. Business day is defined as Monday through Friday, except for Federal holidays.

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There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds (NSF) and overdraft fees, may apply to this account.

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If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. In the case that your account is overdrawn, you will not be charged an overdraft fee.

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Fees and account features will vary by region.

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Maintain combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments, and business deposit accounts. For detailed information, please refer to the Specific Features and Terms for each account, which are available upon request at any M&T banking office or through the Telephone Banking Center. Brokerage services and insurance products are offered by M&T Securities, Inc. (member of FINRA/SIPC), not by M&T Bank.

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M&T will not charge you to access your account at non-M&T ATMS in the 50 United States and Washington D.C.

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MyChoice Plus Checking is available with or without interest.

11

Loans are subject to credit approval and certain limitations may apply.

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No fee for standard checks and 50% discount on other check styles.

13

Regardless of whether a monthly maintenance charge applies, M&T savings and money market accounts are subject to transaction and service fees, including insufficient funds and overdraft fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Savings Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.

14

Overdraft Protection is available either through a link to an M&T savings account, M&T Visa® Credit Card or M&T Overdraft Line of Credit. Overdraft line of Credit and M&T Visa Credit Card are subject to credit approval. Fees may apply to use overdraft protection services. Regulations limit the number of certain types of withdrawals and transfers that can be made during any calendar month from your savings account. If this limit would be exceeded by an overdraft transfer, that transfer may not be made.

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Waiver of annual rental fee of $50 or less for one safe deposit box or 50% discount on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum fee of $200). Location of safe deposit boxes subject to availability.

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Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, including insufficient funds (NSF) and overdraft fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.

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Regardless of whether a monthly maintenance charge applies, M&T checking accounts are subject to transaction and service fees, as noted in the Specific Features and Terms for each account and also the Additional Fees and Fees for Use of Electronic Banking Card for Consumer Checking Accounts, which are available on request at any M&T banking office or through the M&T Telephone Banking Center.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.