M&T BANK

Owners

Goods & Services

Financial services, namely, providing financial analysis, financial consultation, financial planning, financial management, commercial and consumer lending; mortgage lending, loan financing including commercial and consumer lease financing and equipment financing, home equity line of credit (HELOC) financing, cash management, mortgage banking, safety deposit box services, and financial account services, namely, deposit services, payment services, withdrawal services, checking services, issuing certificates of deposit, money-market services, deposit account services, calculation and provisioning of interest and fee assessment; retail banking services, namely consumer and small business banking services; corporate trust services, namely, corporate financing, municipal financing and debt financing services, namely, escrow agent services, paying agent services, document custodian agent services, namely, holding mortgage and deed of trust-related documents and other financial documents for others, and agency services for financial collateral, namely securities, mutual fund, monies, financial documents, property, both real and personal, and financial asset custody services, namely, maintaining possession of financial assets for others for financial management purposes; mortgage and asset securitizations and trustee services, namely, acting in a fiduciary capacity on behalf of bondholders with respect to authentication and delivery of bonds and periodic reviews of indenture covenants to confirm compliance therewith; credit card services; debit card services; electronic payment, namely, electronic processing and transmission of bill payment data; automated teller machine services; insurance services, namely, consultation, brokerage and administration services; investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, banking, financial portfolio management, certificates of deposit, financial asset management, private banking, trust and estate management and financial research services with respect to securities, commodities, real estate and other instruments of investment; securities trade execution and brokerage services; mutual fund administration services; financial and investment consulting, management and advisory services, providing information on investment and securities performance, investment and securities brokerage services; treasury management services, namely, funds transfer services, cash management services and foreign exchange services in the nature of foreign exchange transactions, foreign exchange information services, and foreign exchange risk advisory services; providing banking, financial, investment and insurance consultation and information via computer networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data; and providing interactive banking, financial, investment and insurance consultation and information via computer networks, internal computer information networks and telecommunication networks for the electronic, telephonic and telefacsimile transmission of audio and data