M&T BANK

Owners

Goods & Services

ATM banking services; insurance consultation; insurance brokerage; insurance administration; trust and estate trust management; financial investment services, namely, providing investment analysis, consultation, planning and advisory services; fiduciary representative services on behalf of bondholders with respect to authentication and delivery of, and compliance with, bonds; operation and administration of financial trust accounts; developing and administering mutual funds; financial research services with respect to securities, commodities, real estate and other instruments of investment; Banking services; Bill payment services; Commercial lending services; Consumer lending services; Credit card and debit card services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial analysis and consultation; Financial asset management; Financial management; Financial planning; Financial portfolio management; Financial risk management; Investment brokerage; On-line banking services; Securities trade execution services; Trust services, namely, investment and trust company services; Trustee services