Welcome to M&T. We look forward to serving you.

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1 Welcome to M&T. We look forward to serving you. A guide to your personal accounts.

2 2 Table of Contents Customer Highlights 3 7 A brief summary of what you can expect as a result of the transition to M&T Bank and where to find more information. Everyday Convenience 8 13 Branches and ATMs M&T Telephone Banking Debit and ATM Cards M&T Web Banking M&T Web Bill Pay Electronic Statements Your New M&T Accounts Personal Checking Accounts Personal Savings and Money Market Accounts Certificates of Deposit (CDs) Retirement Accounts Lending Services This guide provides an overview of your accounts and services at M&T Bank, including the changes that will take place at conversion. For detailed information about the terms governing your deposit accounts at M&T Bank after the conversion date, please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet. RP

3 3 Look Forward With M&T We are pleased to welcome you to M&T Bank a financial partner you can rely on now and in the years ahead. We re here to help you look forward to the future with confidence. Here are some of the many reasons we think you ll like it here: Extra convenience: More branches and ATMs, enhanced online and telephone banking services, and all the services you need, all in one place Great account choices: Bringing you features and benefits designed for the way you bank today, and helping you to build financial security for the long run Responsive, professional service: Throughout the transition and beyond... plus sound planning to help you meet the financial challenges of today and tomorrow Strength and stability: M&T consistently ranks as one of the strongest and best-managed banks in the nation For your convenience, we ve designed this package to make it fast and easy for you to find information you need about the transfer of your accounts and services to M&T. The Customer Highlights section on pages 4 7 is a great place to start. If you have questions, we re here to assist you. Just call us at Monday Friday, 6am 9pm ET Saturday Sunday, 9am 5pm ET Or visit us anytime at We look forward to bringing you the resources and services you want, now and for many years to come.

4 PAY TO THE ORDER OF MEMO Any Office Office 123 ANYSTREET RD. ANYTOWN, CITY DATE DOLLARS Security Features Included Details on Back MP 4 Customer Highlights A summary of information about the transition to M&T TOPIC CONVERSION HIGHLIGHTS PROVIDENT BANK ( PROVIDENT ) IS BECOMING PART OF M&T BANK ( M&T ) Provident branches and ATMs will soon begin to serve you under the M&T name Your accounts at Provident Bank will convert to similar accounts on M&T systems ACTION STEP: See the enclosed letter for the actual conversion date and the names of your new accounts at M&T. YOUR DEPOSIT ACCOUNTS ARE SAFE AND SECURE AT M&T REST EASY: Your deposit accounts will transfer automatically to M&T. There s nothing you need to do Your direct deposit will continue without interruption Your deposits will continue to be FDIC-insured up to the maximum applicable limits Your CDs and Retirement CDs will continue with the same term and interest rate features through the first maturity on or after the conversion date COMING SOON: MORE BRANCHES AND ATMS For now, simply bank as usual After the conversion date, you ll have access to more than 800 M&T branches and 1800 M&T ATMs in six states and Washington, DC, with more than 300 branches and 740 ATMs in the Baltimore-Washington corridor ACCOUNT NUMBERS Checking accounts: Most checking accounts will continue to have the same account number. If your account number will change, you ll receive separate notification Savings, Money Market accounts, CDs, Retirement Accounts, Loans and Lines of Credit and Mortgages: New account numbers will be mailed to you. You may also use the account number look-up tool at mtb.com/provident after the conversion date USING YOUR CHECKS DELUXE WALLET OR DUPLICATE SAFTEY PAPER ANY CUSTOMER $ 1234 Checking, Savings and Money Market accounts: You can use your current supply of checks and deposit slips. The next time you reorder checks through M&T, your new supply will be printed with the M&T logo and routing and transit number. If you currently have checks for your account and your account number is changing, we will send a new supply of checks to you Health Savings accounts (HSAs): If you currently have checks for your HSA, we will send a new supply of checks to you Personal Lines of Credit and Home Equity Lines of Credit: You ll receive new M&T checks, printed with your new account number, shortly after conversion. Please destroy your Provident checks and begin to use these as soon as they arrive. Provident checks already written will be honored for a limited time Questions? Simply call or visit RP

5 5 TOPIC CONVERSION HIGHLIGHTS NEW DEBIT AND ATM CARDS Replacement Card: If you use a Provident Bank debit card or ATM card today, you ll be mailed a similar type of card from M&T shortly before conversion. M&T Check Cards will carry the VISA logo GOOD NEWS: Same 4-digit PIN: You can continue to use the same Personal Identification Number (PIN) with your new card. You will receive a separate mailing to remind you of your PIN. New Card Number and Expiration Date: Your new number will appear on your new M&T card ACTION STEP: If you currently use your card for automatic deductions or recurring payments to a third party (such as a health club or Internet service provider), please provide your new card number and expiration date to your payees to avoid interruption of your payments. Activation: Please read the information accompanying your card about when to activate and use your new card Changes and Enhancements: See pages in this guide, as well as the Deposit Account Terms and Conditions and Privacy Policy booklet, for more information FREE ONLINE BANKING AND BILL PAY (For converting Provident deposit accounts) New Features and Benefits: With M&T Web Banking and M&T Web Bill Pay, you ll enjoy a new level of convenience It s Easy to Enroll: Just use your activated M&T Check Card or your M&T ATM card with your current PIN to enroll on or after the conversion date. Your converted accounts will be available to you When You Enroll: Your payee information and bill payment history will be available to you automatically at M&T ACTION STEP: Please print your account activity prior to the conversion date because your Provident account activity will not transfer. See the Important Dates section of the enclosed letter to find out more. For More Information: See pages of this guide See the Important Dates section of the enclosed letter See the separate mailing that will be sent to all registered users of online banking at Provident Bank 24-HOUR TELEPHONE BANKING 24-Hour Automated Access: You will continue to enjoy convenient automated access to your accounts at any time Personal Assistance: This service is available seven days a week For More Information: See page 9 of this guide

6 6 Customer Highlights A summary of information about the transition to M&T TOPIC CONVERSION HIGHLIGHTS ACCESS TO YOUR ACCOUNTS DURING CONVERSION WEEKEND ACCOUNT STATEMENTS CHECK IMAGES OVERDRAFTS ACTION STEP: See the enclosed cover letter for a helpful day-to-day schedule ( Important Dates ) You ll see when and how you can access your account by ATM, telephone and online Checking, Savings and Money Market Accounts: Two statements will be mailed to you during the month of conversion One from Provident Bank, covering the period from the last statement date to the conversion date, including transactions and any interest earned for the period The second from M&T Bank, covering the period from the conversion date to your next regular statement date Future statements from M&T will arrive on approximately the usual schedule CD accounts: You will receive a final statement from Provident Bank as of the conversion date. CD interest will be accrued but not posted After conversion, statements will no longer be issued except when a CD is linked to a checking account or if your account is a CDARS CD; however, you will receive CD maturity notices Retirement accounts: You will receive annual statements plus a supplemental statement for contributions made between January 1 and April 15 for the prior year A special conversion statement will not be sent Combined Statements at M&T may include deposit accounts plus one line of credit account. Loans, mortgages, investments and retirement accounts are not included Electronic Statements: When you sign up for M&T Web Banking, you ll have the option to request free electronic statements for your M&T accounts Check Images: If you currently receive your canceled checks or images of your canceled checks, then images of your canceled checks will be included with your monthly checking statement at no charge. Check images will also be available online for your M&T transactions for up to three months and are available for checking, savings, and money market accounts. Canceled checks are not returned with statements Check Safekeeping: If you now have this service, it will continue automatically at M&T and M&T will retain copies of your paid checks Checking accounts at M&T may be linked to one account for overdraft protection. This account may be either a savings or a money market account, or a line of credit account Provident checking accounts currently linked to eligible overdraft protection accounts will generally continue to be linked as they are today. If you have both a savings or money market account and a line of credit account linked for overdraft protection, only the line of credit will continue to be linked Insufficient Funds (NSF): Fees will apply when an account is overdrawn. Please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet for more information Questions? Simply call or visit RP

7 One M&T Plaza, Buffalo, New York John H Smith 123 Anystreet Avenue City, State Zip Presorted Standard Mail U.S. Postage 7 TOPIC CONVERSION HIGHLIGHTS WIRE TRANSFERS AND ACH TRANSACTIONS SEE THE ENCLOSED DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY BOOKLET FOR You will need to use M&T Bank s routing and transit number as of the conversion date for all incoming and outgoing electronic payments to and from your account. This number is: ACTION STEP: NOTE: Please notify anyone who sends incoming or outgoing payment instructions to or from your account of this new routing and transit number and any change to your account number. Health Savings Account holders must refer to the HSA conversion materials for the unique routing and transit number for HSAs. This information will be mailed separately. Terms and Conditions governing your deposit accounts at M&T as of the conversion date, including account agreements, applicable fees and charges, interest calculations, funds availability, and more. Please note that deposit accounts converting to M&T from Provident Bank may differ in some ways from standard deposit accounts opened at M&T before, at, or after the conversion date Privacy Policy: If you wish to opt out of information sharing at M&T, you must do so at M&T on or after the conversion date, even if you have opted out at Provident. After conversion, just call us at or visit our website at and click on the Privacy link ADDITIONAL MAILINGS PAID M&T Bank WATCH YOUR MAIL: Separate mailings will be sent to you if you have: A new account number Online banking and bill pay A Debit or ATM Card Investment accounts* A Coverdell Education Savings Account A Health Savings Account A Keogh Plan *Brokerage services are provided by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. Strong and growing. M&T Bank (Manufacturers and Traders Trust Company) is one of the nation s most highly regarded and well-managed regional banks Our parent company is M&T Bank Corporation, with assets of over $65.8 billion as of December 31, M&T Bank Corporation ranks among the top 20 bank holding companies in the United States in asset size We were founded over 150 years ago, and built on a tradition of service, reliability and personal attention to our customers needs We remain committed to the financial futures of the communities we serve. M&T is the leading SBA lender in the greater Baltimore area, and has a strong history of civic and community support

8 8 More banking convenience Branches and ATMs M&T Telephone Banking Debit and ATM Cards M&T Web Banking M&T Web Bill Pay Electronic Statements Every Minute Counts We understand that saving time is important to you. And that s why we re making your banking faster and easier than ever before. M&T offers a new level of convenience so you can manage your accounts anytime, anywhere. Plus, you have our commitment to service excellence... so you can be sure that your transactions are both accurate and secure. We look forward to welcoming you at your M&T branch, as well as serving you by ATM, phone and online. Welcome to M&T... where your convenience is our priority, every minute of every day. RP

9 9 Everyday Convenience Branches and ATMs Branches Look for the M&T sign: On the conversion date, Provident Bank will become part of M&T Bank and Provident Bank branches and ATMs will change to the M&T Bank name. You ll continue to be served by the same team of banking professionals, who are joining the M&T family After conversion, you can bank at more than 800 M&T branches and 1800 ATMs in: Maryland Delaware Washington, DC New York State Virginia Pennsylvania West Virginia Visit and click on Branches & ATMs at the top of the page to find the branch or ATM nearest you M&T Bank ATM Tips ATM deposits: To ensure timely processing of your deposit transactions, please be sure to include a deposit slip in your ATM deposit envelope Cut-off time: The daily cut-off time (change of business day) for ATM deposit acceptance will change, and may occur as early as noon New features: ATMs will have a number of new features, such as mini-statements. Just follow the prompts on your ATM screen NOTE: The following ATM plans will not be available after conversion: MoneyPass Annual foreign ATM fee plan M&T Telephone Banking Center Call Toll-Free: hour Automated Access to Your Accounts Secure access: Use your M&T account number and follow the simple prompts Services available to you: Get account information and history (based on transactions posted) Transfer funds between linked M&T accounts Make a stop payment request Order checks or deposit slips Change your PIN (Personal Identification Number) And more Plus, there is no charge to speak with our representatives. Information on brokerage accounts is available by calling M&T Securities, Inc. at , option 1. Personal Service Seven Days a Week Customer service: If you would like personal service with your accounts or transactions, we are here to assist you during these hours: Monday Friday, 6am 9pm ET Saturday and Sunday, 9am 5pm ET New accounts: Our account representatives can help you choose a new M&T Bank account that s right for you. Representatives are available: Monday Friday, 8am 8pm ET Saturday, 9am 3pm ET

10 10 Everyday Convenience Debit and ATM Cards New Bank Card from M&T If you currently have a Provident Bank debit card (Debit MasterCard ) or Provident Bank ATM card to access your deposit accounts, it will be replaced by a new card from M&T Bank as follows: Current Provident Bank Card Provident MasterMoney Debit Card (Debit MasterCard ) Provident Bank Gold Card (Debit MasterCard ) Provident Bank ATM Card New M&T Bank Card M&T Check Card (Visa Debit Card) M&T Gold Check Card (Visa Debit Card) M&T ATM Card Ravens Check Card: If you have asked a Provident representative for an M&T Ravens Check Card for use after conversion, you will receive the Ravens card as your replacement card (provided we receive your request in time to process it). Please note that the Ravens Check Card is not a Gold Card, and it is covered by the terms and conditions of the M&T Check Card Your New M&T Card will have the same four-digit Personal Identification Number (PIN) as before The M&T Check Card can be used at ATMs, and for purchases wherever VISA debit cards are accepted. Purchases you make with your M&T Check Card are deducted directly from your linked checking account The M&T ATM Card can be used at ATMs, as well as to make purchases at participating merchants, using your four-digit PIN Transaction Limits: There are new limits on the number and dollar amount of transactions you may make during a single day with your M&T Card. For more information about transaction limits, please refer to the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet Card Transaction Fees: Transaction fees are listed in the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet Linked Accounts: At M&T you may have up to four checking, four savings and two line of credit accounts linked to a single card. You will receive a list of the accounts linked to your card when you receive your new card Extra Security: When you use your M&T Check Card on the Internet, enjoy added security through Verified by Visa. For more information or to enroll, visit after the conversion date Online and Telephone Banking: Your card also gives you secure 24-hour access to M&T Web Banking and Telephone Banking, by identifying you and your account relationship For More Information: See the Important Dates section of the enclosed letter See the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet for terms and fees that apply to use of your card See the information that will be enclosed with your new card WATCH YOUR MAIL: If you currently have a Health Savings Account Card at Provident, you will receive a separate mailing with detailed information about the transition to M&T. Provident Bank Gift Cards will continue to work under existing terms and conditions until they expire or funds on the card are depleted Get great rewards for your everyday purchases. See page 11 to find out more. RP

11 11 Provident Power Points If you are currently enrolled in Provident Power Points, you can continue to earn Power Points until the conversion date For your convenience, you will be able to redeem any unused Power Points through August 31, 2009 by visiting the existing redemption website before the conversion date or going to after the conversion date Any Power Points that are not redeemed by August 31 will expire If you are enrolled in Provident Power Points, you will automatically be pre-enrolled in M&T Bank Visa Extras. (See Enrolling in Visa Extras for more information) M&T Bank Visa Extras Rewards for Your Everyday Purchases As an M&T customer, you re eligible for Visa Extras, a rewards program that lets you earn points for everyday purchases made with your M&T Check Card* Redeem points for gift certificates and gift cards from leading merchants, travel, hotel and entertainment rewards, and much more Best of all, there s NO FEE to participate Earning Points is Easy Once your M&T Check Card is enrolled, you will automatically start earning points with every qualifying purchase that you make** Learn More You can learn more by visiting to review M&T Bank Visa Extras benefits and Terms and Conditions Enrolling in Visa Extras Enrolling in Visa Extras is easy, just follow the steps described below that are applicable to you. If you are currently enrolled in Provident Power Points: Your new M&T Check Card will be automatically pre-enrolled in Visa Extras You will begin earning Visa Extras points with the first qualifying purchase that you make with your activated M&T Check Card Visit and follow the online instructions to complete your enrollment and begin managing your Visa Extras account If you are not currently enrolled in Provident Power Points: You can enroll your new M&T Check Card in Visa Extras as soon as you activate it To enroll your new card, visit and follow the online instructions to enroll your card and begin managing your Visa Extras account Once your card is enrolled, you will earn Visa Extras points for all qualifying purchases NOTE: Be sure you activate your new M&T Check Card by following the instructions enclosed with your card before visiting *Only Visa check cards issued to residents of the United States and in good standing may be eligible to participate in Visa Extras. Additional exclusions of cards may apply. **A qualifying purchase is any signature-based purchase, Internet purchase, phone or mail order purchase, or automatic bill payment made with an enrolled Visa card, and processed through the Visa U.S.A. Inc. network. Do not use a PIN when paying for your purchases with your enrolled Visa card if you want to earn points. We reserve the right to determine in our sole discretion whether a particular Visa card transaction is a qualifying purchase. For more information regarding qualifying purchases, visit and review the Terms and Conditions.

12 12 Everyday Convenience M&T Web Banking M&T Web Bill Pay Your current payee information will be transferred to M&T Schedule payments to virtually anyone in the U.S. Schedule single payments up to a year in advance Set up recurring payments to be sent automatically at regular intervals, based on the instructions you provide Get up-to-the-minute account information, including balances and transaction history, view check and statement images, transfer funds and more... anytime, anywhere It s FREE, fast, easy and secure WATCH YOUR MAIL: ACTION STEP: If you currently use Provident Online Banking, you will receive a separate mailing with more detailed information about how to enroll. See the Important Dates section of the enclosed letter for a calendar of when you should discontinue use of Provident Online Banking and transfer to M&T Web Banking and M&T Bill Pay. Visit to try it out by viewing the M&T Web Banking interactive demo You ll see some new features, for both M&T Web Banking and M&T Web Bill Pay. For details, see the separate letter that will be sent to you M&T Mobile Sign up for M&T Mobile, our text message based mobile banking service, once you ve enrolled in M&T Web Banking Simply click on the Enroll in M&T Mobile link at the top of your Account Summary screen and you ll be ready to get started For more information on how M&T Mobile works, please visit M&T continually works to enhance our mobile service. We will notify you when new features become available RP

13 DELUXE WALLET OR DUPLICATE SAFTEY PAPER DELUXE WALLET OR DUPLICATE SAFTEY PAPER PAY TO THE ORDER OF Any Office Office MEMO ANY CUSTOMER 123 ANYSTREET RD. ANYTOWN, CITY DATE PAY TO THE ORDER OF Any Office Office MEMO ANY CUSTOMER 123 ANYSTREET RD. ANYTOWN, CITY DATE $ $ DOLLARS DOLLARS Security Features Included Details on Back MP Security Features Included Details on Back MP 13 Electronic Statements Receive your statements online for free instead of through the mail it s safer and more secure. You can streamline your paperwork, reduce clutter and protect the environment Electronic statements look just like your paper statements and you can view, print and save them right to your computer You can have access to up to 24 months of electronic statements for your M&T accounts, and up to three months of M&T check images /21/2009 thru 05/18/2009 ANYHIM A. CUSTOMER ANYHER T. CUSTOMER 123 MAIN STREET ANYTOWN USA Summary of Accounts Checking & Savings How an M&T Web Bill Payment is Made SATURDAY SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY Weekday payment example Submit an ASAP payment request before midnight Money is removed from account Electronic payments should be delivered within 2 business days Paper payments should be delivered within 4 business days Weekend payment example Submit an ASAP payment request anytime over the weekend before midnight Money is removed from account Electronic payments should be delivered within 2 business days Paper payments should be delivered within 4 business days Please allow 4 business days for the first payment to a new payee.

14 14 Your new M&T accounts Personal Checking Accounts Personal Savings and Money Market Accounts Certificates of Deposit (CDs) Retirement Accounts Lending Services A Note About Your New M&T Accounts We want you to be happy with the service and value you receive as a customer of M&T Bank. That s why we ve taken great care to transfer your existing Provident accounts to the M&T accounts that can offer similar features and benefits to you. You ll see that we ve also waived the standard monthly service fees for most deposit accounts for at least the first two monthly service charge cycles, to give you time to become familiar with your new deposit accounts, to make sure they re right for you. If you prefer another M&T account that you believe may be a better match for your needs, just call us or visit your branch after the conversion date and we ll make it fast and easy for you to switch. Welcome to M&T... a new level of value for all your financial needs. RP

15 15 Personal Checking Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T TOTALLY FREE CHECKING No minimum balance requirement No monthly service fee No per-check charge Accounts with no activity for 90 days (starting any time after conversion) will convert to an M&T First account M&T DIRECT CHECKING The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: Direct deposit, or $1,500 combined average daily balances in M&T Direct Checking and linked Relationship Savings and M&T Personal Savings, or Automatic deduction of your M&T mortgage payment Otherwise, a $5.95 monthly service fee will apply This account does not earn interest M&T SELECT WITH INTEREST Preferred rates, free standard check orders and more The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee with: $5,000 minimum average daily balance in this account, or $10,000 combined balance in this account plus linked personal checking, savings, money market accounts, CDs, IRAs, installment loans, home equity loans, personal lines of credit, as well as eligible investments* (except retirement investments). Some business owners deposit accounts may also be linked to this account to meet balance requirements, or M&T mortgage with an original loan amount of $100,000 or more Otherwise, a $14 monthly service fee will apply We won t charge you for transactions at non-m&t ATMs in the U.S. We ll rebate up to $2 of other banks ATM transaction fees for up to four non- M&T ATM transactions you make in any monthly service charge cycle. (Rebates do not apply to accounts maintained at M&T branches in Pennsylvania) Free standard checks, or 50% discount on designer checks Your personal and business accounts can work together to help you avoid monthly service fees *M&T Securities, Inc. (member FINRA/SIPC), is a member of the M&T Investment Group. Brokerage services are offered by M&T Securities, Inc., not by M&T Bank. NOTE: If your account at M&T will be an Employee M&T Select With Interest account, please refer to the Deposit Account Terms and Conditions and Privacy Policy booklet for information about your account. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

16 16 Personal Checking Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T CLASSIC CHECKING WITH INTEREST Extra value for customers age 50 or more No minimum balance requirement No monthly service fee Free check image return 50% discount on standard check orders RELATIONSHIP CHECKING WITH INTEREST Available only to those customers converting to this account The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee with: $1,000 average daily balance, or $2,500 combined average daily balance in this account and linked checking, savings and money market, or $7,500 combined average daily balance in this account plus all of your other personal deposit accounts and the outstanding balance of loans linked to the account Otherwise, a $10 monthly service fee will apply ($8 for customers with direct deposit) Your account includes free standard checks Three free non-m&t ATM transactions per monthly service charge CHECKING A special value for college students No minimum balance requirement No monthly service fee Four free non-m&t ATM transactions per monthly service charge cycle We ll rebate up to $2 of other banks ATM transaction fees for up to four non-m&t ATM transactions you make in any monthly service charge Checking accounts will convert automatically to M&T Direct Checking five years after the date of opening This account does not earn interest WORK CHECKING Special benefits through your workplace The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: Direct deposit to the account, or Automatic deduction of your M&T mortgage payments from the account Otherwise, a $10 monthly service fee will apply Five free non-m&t ATM transactions per monthly service charge cycle This account does not earn interest RP

17 17 YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION POWER CHECKING The monthly service fee will be waived for three monthly service charge cycles Afterward, no monthly service fee if you maintain: $50,000 combined balance in this account plus linked personal checking, savings, money market accounts, CDs, IRAs, installment loans, home equity loans, personal lines of credit, as well as eligible investments* (except retirement investments). Some business owners deposit accounts may also be linked to this account to meet balance requirements, or An M&T Bank mortgage with an original loan amount of $200,000 or more Otherwise, a $24 monthly service fee will apply No transaction fee for non-m&t ATM transactions We ll rebate up to $2 of other banks ATM transaction fees for up to 15 non- M&T ATM transactions you make in any monthly service charge cycle Free standard checks, or 50% discount on designer checks HEALTH SAVINGS ACCOUNT (HSA) Save money for health care costs The monthly service fee will be waived for six monthly service charge cycles Afterward, no monthly service fee with direct deposit, or $1,000 minimum daily balance Otherwise, a $5 monthly service fee will apply Investment options are available to accounts with balances of $3,000 or more You will receive HSA conversion materials and a welcome letter from M&T with additional conversion-related information including funding and account access information For more specific HSA conversion-related information, please call MTB-HSA1 or visit our website ACTION STEP: Be sure to review the HSA conversion materials and the welcome letter when you receive them in the mail *M&T Securities, Inc. (member FINRA/SIPC), is a member of the M&T Investment Group. Brokerage services are offered by M&T Securities, Inc., not by M&T Bank. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

18 18 Personal Savings and Money Market Accounts For the name of your new account at M&T, see the inside of the enclosed letter. YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T STARTER SAVINGS (for those under 18 years old) No minimum balance requirement No monthly service fee Quarterly statements If you have a Provident passbook, you can continue to use your passbook after conversion for your personal records ACTION STEP: Please be sure to visit your usual branch to update your passbook before conversion RELATIONSHIP SAVINGS (for Provident College Student and Bank at Work Savings Account holders and Provident Statement Savings Account 18 years and older) The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with: A linked M&T checking account, or $250 minimum daily balance Otherwise, a $5 monthly service fee will apply Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Quarterly statements (monthly if combined with checking) RELATIONSHIP SAVINGS (for Provident Passbook Savings Account holders 18 years and older) The monthly service fee will be waived for six monthly service charge cycles Afterward, no monthly service fee with: A linked M&T checking account, or $250 minimum daily balance Otherwise, a $5 monthly service fee will apply Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Monthly statements You can continue to use your Provident passbook after conversion for your personal records ACTION STEP: Please be sure to visit your usual branch to update your passbook before conversion RP

19 19 YOUR NEW M&T ACCOUNT BALANCE REQUIREMENTS AND MONTHLY SERVICE FEES OTHER IMPORTANT INFORMATION M&T E-MONEY MARKET No minimum balance requirement No monthly service fee Four free withdrawals per monthly statement cycle. $1 per excess withdrawal Monthly paper statements (electronic statements available if you enroll) PREFERRED SAVINGS Available only to those customers who are converting to this account The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with a $2,500 minimum daily balance Otherwise, an $8 monthly service fee will apply, plus a $1 fee for withdrawals in excess of four per month Monthly statements (quarterly if your account at Provident is a CDARS settlement account) NOTE: CDARS Settlement accounts will have no minimum balance requirements and no monthly service charges will be assessed M&T MARKET ADVANTAGE Money market rates, compounded daily The monthly service fee will be waived for two monthly service charge cycles Afterward, no monthly service fee with a $2,500 minimum daily balance Otherwise, a $10 monthly service fee will apply, plus a $1 fee for withdrawals over four per service charge cycle Monthly statements For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

20 20 Certificates of Deposit (CDs) REST EASY: The interest rate terms, maturity date and other features of your account will remain the same until its first maturity date on or after the conversion date. IF THIS IS YOUR PROVIDENT BANK ACCOUNT ON THE CONVERSION DATE IT WILL RENEW AUTOMATICALLY AT ITS NEXT MATURITY ON OR AFTER THE CONVERSION DATE AS AN M&T BANK: UPON THE FIRST MATURITY ON OR AFTER THE CONVERSION DATE: FIXED-RATE CERTIFICATE OF DEPOSIT UPGRADEABLE CD AUTOMATICALLY RENEWABLE REGULAR TIME DEPOSIT Account will renew automatically as a fixed-rate CD for the same or nearest term at the then-current interest rate for that term. Penalties may apply for early withdrawals ADD-ON CERTIFICATE OF DEPOSIT (including No-Penalty) AUTO SAVE CD AUTOMATICALLY RENEWABLE ADD ON TIME DEPOSIT Account will renew automatically as a 12-month Add On CD under the terms of M&T Bank, at the then-current interest rate. Penalties may apply for early withdrawals NOTES: At maturity, these accounts will be governed by the account terms and conditions of M&T Bank. Plus, the grace period will be extended to ten days M&T will report interest for tax purposes based on interest accrued through year-end regardless of when interest is credited If you have a CDARS CD that matures on or after the conversion date, it will NOT automatically renew at maturity. At maturity, all funds in that account will be deposited into your CDARS settlement account and will remain in the settlement account until you take further action If you have a Jumbo CD that matures on or after the conversion date, it will NOT automatically renew at maturity. At maturity, the balance in the account will cease to earn interest and will remain in the account uninvested until you take further action For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet RP

21 21 Retirement Accounts REST EASY: Retirement CD account holders: The interest rate terms, maturity date, distribution schedule and other features of your retirement account CD will remain the same until its first maturity on or after the conversion date. IF THIS IS YOUR PROVIDENT BANK ACCOUNT ON THE CONVERSION DATE AT CONVERSION: ADDITIONAL INFORMATION: CD ACCOUNT FOR A: TRADITIONAL IRA ROTH IRA SEP IRA OR KEOGH PLAN (i.e., A PROFIT SHARING OR MONEY PURCHASE PLAN) The interest rate terms, maturity date, distribution schedule and other features of your CD will remain unchanged until its next maturity date Your account will automatically renew at its next maturity date on or after the conversion date as a FIXED-RATE CD for the same or nearest term at the then current interest rate for that term for an Automatically Renewable Individual Retirement Account or Automatically Renewable Retirement Account, as applicable Accounts are non-contributory, meaning that additional deposits to the account are not allowed except at maturity or during a grace period Your interest rate may not be adjusted after your account renews as an M&T account MONEY MARKET ACCOUNT FOR A: TRADITIONAL IRA ROTH IRA SEP IRA OR KEOGH PLAN (i.e., A PROFIT SHARING OR MONEY PURCHASE PLAN) Your account will become an M&T MARKET ADVANTAGE (IRA OR RETIREMENT PLAN) ACCOUNT Earns a variable rate of interest NOTE: If you have a Coverdell Education Savings Account, you will receive a separate mailing. For more information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet

22 22 IRA Distributions NOTE: REST EASY: If you currently have a Keogh Plan at Provident Bank, we will contact you separately about your plan. If you currently have scheduled distributions from your IRA, Roth IRA or SEP IRA, they will continue without interruption. TOPIC NEW FEATURES AT M&T This information applies to all IRAs including Traditional IRAs, Roth IRAs and SEP (Simplified Employee Pension) IRAs. FREQUENCY OF PAYMENTS Distributions from your retirement account will be paid with the same frequency and in the same manner as before Distributions will be mailed to your primary address only PRIORITY OF DISTRIBUTION PAYMENTS Scheduled distributions from your retirement plan will be made first from the deposit account in the plan that pays the lowest interest rate until all funds in that account have been distributed Other distributions will be accommodated at the discretion of M&T MINIMUM DISTRIBUTION Each distribution from your IRA must be at least $100 If you are currently receiving amounts less than $100, we will increase your distribution to $100 DISTRIBUTION ELECTION If you have scheduled distributions from your retirement plan, this schedule will continue The amount of your required minimum distribution (RMD) calculated at the beginning of a year will not be automatically adjusted if you take an unscheduled distribution If you are over age and have not established an automatic scheduled distribution from your Traditional IRA or SEP IRA, M&T BANK WILL NOT MAKE ANY DISTRIBUTION TO YOU UNLESS WE RECEIVE WRITTEN AUTHORIZATION WITH YOUR DISTRIBUTION ELECTION RP

23 One M&T Plaza, Buffalo, New York John H Smith 123 Anystreet Avenue City, State Zip Presorted Standard Mail U.S. Postage 23 TOPIC NEW FEATURES AT M&T This information applies to all IRAs, including Traditional IRAs, Roth IRAs and SEP (Simplified Employee Pension) IRAs. UPON RENEWAL OF A CD ON OR AFTER THE CONVERSION DATE Unscheduled distributions from a fixed-rate, noncontributory retirement account CD may incur an early withdrawal penalty This penalty will not apply to scheduled distribution payments ADDITIONAL INFORMATION PAID M&T Bank If you currently have a Traditional, Roth or SEP IRA at Provident, please see the enclosed M&T Bank Individual Retirement Trust Account Agreement and Roth Individual Retirement Trust Account Agreement and Disclosure Statements that will govern these accounts, from and after the conversion date For more specific retirement account information, please call WATCH YOUR MAIL: You will receive information in a separate mailing to update your beneficiary designation For additional information, see the enclosed Deposit Account Terms and Conditions and Privacy Policy booklet and the retirement account disclosures

24 24 Lending Services NOTE: If you currently have a home equity line of credit, personal line of credit, home equity loan or installment loan, it will convert automatically to M&T. ACCOUNT TYPE ACCOUNT NUMBER INFORMATION CONVENIENT ACCESS HOME EQUITY LINES OF CREDIT New account number. Your current Provident Bank account number will change to a new account number at M&T. You will be notified of your new account number in a separate mailing and with your first statement Your can also find your new account number by visiting and using the account number lookup tool ACTION STEP: If you currently use a Bill Pay Service outside of Provident Bank to make your payments, please be sure to update your information with your new M&T account number Account access methods. You can continue to access your Home Equity Line of Credit by check, at your branch, and through M&T Web Banking You will receive new M&T checks in the mail. Please destroy your remaining Provident checks at that time If you use a Provident MasterCard to access your Home Equity Line of Credit, this access will be replaced by utilizing your M&T Check Card to access available funds that you have transferred from your Home Equity Line of Credit to your M&T checking account using the transfer services available through M&T Web Banking PERSONAL LINES OF CREDIT (Including Overdraft Protection) INSTALLMENT AND HOME EQUITY LOANS New account number. Your account will be assigned a new account number, which will appear on your future statements from M&T If you have an overdraft line of credit at Provident Bank, your new account number will be different from your checking account number You can find your new account number by visiting and using the account number lookup tool ACTION STEP: If you currently make payments through an account outside of Provident Bank, please be sure to update your information with your new M&T account number New account number. Your loan account will be assigned a new account number at M&T, which you will receive in a separate mailing ACTION STEP: If you currently use a Bill Pay Service outside of Provident Bank to make your payments, please be sure to update your information with your new M&T account number Enhanced access methods. If you have a personal line of credit, you will be mailed new M&T checks to use for advances from your account. Please destroy your remaining Provident Bank checks as of the conversion date You will be able to access your line at your branch, M&T ATMs, through M&T Web Banking and by telephone If your line of credit is linked to an M&T checking account for overdraft protection, your line will now transfer funds in exact dollar amounts, as opposed to $100 increments Access options not available for these types of loans NOTE: Provident Bank credit cards will not transfer to M&T. The account will remain according to the terms of your cardholder agreement with GE Money. RP

25 25 REST EASY: PAYMENT INFORMATION The current interest rate, terms and fee structure of your account will remain in effect at M&T. If your account has a variable rate, it will be adjusted based on the same formula as before. Payment due date. Payments will be due on a fixed date each month 25 days after your cycle date. If you have separate fixed-rate loan segments within your Home Equity Line of Credit, you will receive one statement for the fixed and variable rate segments with the same payment due date Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD Payment due date. Payments will now be due approximately 25 days after your first cycle date Monthly statement. If your line of credit is linked to an M&T checking account for overdraft protection, you will receive a separate statement for your overdraft line, which will be included in your checking account statement envelope Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD New coupon payment book. A new coupon payment book printed with your new M&T account number will be mailed to you shortly after conversion for use in making your payments unless you make your payments through automatic deductions. If you have a Ground Lease, you will continue to receive bi-annual payment notices Payment methods. Your payments may be made at a branch, by transfers through M&T Web Banking, at ATMs, by telephone, through automatic deduction from a checking or savings account or by mail. If payments are made by mail, starting on the conversion date, please address them to: M&T Bank P.O. Box Baltimore, MD Adjustable rate installment loans. As of the conversion date, whenever the interest rate on your adjustable rate installment loan changes (based on a corresponding change in the pricing index for your account) your monthly loan payment will be recalculated Secured loans. Loans secured by deposits must be paid in full before deposit holds are released Note About Automatic Payment of Personal Loans and Lines of Credit Including Home Equity Loans and Lines of Credit Payments from an account at M&T Bank: If you make payments to your loan or line of credit account through automatic deduction from a Provident Bank deposit account that s also converting to M&T, your automatic payments will continue as before, without interruption Important Note: Payments will be deducted automatically only for the exact amount due/billed in a given month and only when there are sufficient funds in the funding deposit account at the time the payment is due. Only one attempt to deduct the payment will be made. If there are insufficient funds at that time, no payment will be made for that billing period. Payments from an account at another financial institution: If your payments are deducted automatically from an account at another financial institution, this arrangement will continue after conversion. To make your automatic payment through M&T Bank, please visit any M&T branch or call the M&T Telephone Banking Center. If you would like to open a new checking or savings account with us, please visit your branch, and we ll make it easy to switch your automatic payments, too

26 26 For more information: Monday Friday, 6am 9pm ET Saturday Sunday, 9am 5pm ET Or visit us anytime at All The Services You Need At M&T, there are many new account choices available to you. These include checking and savings accounts for every stage of life, flexible loans and lines of credit to meet your borrowing needs, and investments and insurance* to help you build a secure financial future. To find out more, just call us at , or visit your branch after the conversion date. You can also find more online at We look forward to helping you make the choices that are right for you... and working with you to build financial security for a lifetime. *M&T Investment Group SM 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. RP

27

28 Questions? If you have questions, please call , visit or visit any M&T branch. We will be happy to assist you. Welcome. We look forward to serving you. RP Member FDIC 2009 Manufacturers and Traders Trust Company

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