In times like these, it's more important than ever you have a bank you can rely on. And that's exactly what you'll get from us. At M&T, we're here to listen to your concerns and goals, and develop a plan of action. We'll help you deal with today's financial challenges while planning for tomorrow. All this from a team of experts focused on offering you the products, services and convenience you've been
looking for.

As one of the nation's best managed banks, we've offered our customers convenience, choice and stability for more than 150 years. Today, more than 3 million of your neighbors bank with M&T. We invite you to explore this website to learn more about who we are and how we can fulfill your banking needs.

Equal Housing Lender. © 2009 M&T Bank. Member FDIC. All rights reserved.

Investment and Insurance Products: - Are NOT Deposits - Are NOT FDIC-Insured - Are NOT Insured by Any Federal Government Agency - Have NO Bank Guarantee - May Go Down in Value

M&T Investment GroupSM is a service mark of M&T Bank Corporation and consists of M&T Securities, Inc., the investment related areas of M&T Bank and investment advisory firms MTB Investment Advisors, Inc. and Zirkin-Cutler Investments, Inc. Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.

1 According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2009.

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