Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS

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1 Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS

2 2 Welcome to M&T Table of contents For your convenience, we ve designed this guide to make it fast and easy for you to find the information you need about the conversion of your accounts and services to M&T Bank systems. The Customer Highlights section on pages 4-9 is a great place to start. Customer Highlights 4-9 A brief summary of what you can expect when we begin to serve you as M&T Bank and where to find more information. Account Access Branches and ATMs M&T Telephone Banking Center Debit and ATM Cards Credit Cards M&T Bank Rewards M&T Web Banking M&T Bill Pay Bank to Bank Transfers Electronic Statements and Documents M&T Mobile Banking Your New M&T Accounts and Services Personal Checking Accounts Overdraft Protection Plans Personal Savings and Money Market Accounts Certificates of Deposit (CDs) Retirement Accounts Lending Services 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 This part of the 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 after the conversion to M&T Bank systems, please refer to the Consumer Deposit Account Terms and Conditions section of this guide.

3 3 The City of Wilmington is a cultural treasure, with its breathtaking gardens and mansions, unique museums, nearby wineries, and vibrant communities. Welcome As we join together, we re building an organization that s even better, stronger and greater than the sum of its parts. We are dedicated to preserving and protecting the best of both organizations. Although we have started out in different places, we share many common values - especially our strong commitment to our clients and the communities we serve. Moving forward together. As an M&T customer, you ll enjoy: Banking with the same friendly and knowledgeable people you know and trust: Throughout the transition and beyond... plus sound planning to help you meet the financial challenges of today and tomorrow Extra convenience: More offices and ATMs, enhanced online, mobile and telephone banking, 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 build financial security for the long run A continued commitment to our communities: Like Wilmington Trust, M&T is known for being a major community leader and contributor in neighborhoods we serve, donating our time, our talents and our treasure to help enhance the quality of life for people in our communities Ongoing strength and stability: M&T consistently ranks as one of the strongest and best-managed banks in the nation We look forward to working together with you, and embracing all of the opportunities and possibilities our combined organizations can offer you, now and for many years to come. Questions? Simply call or visit

4 PAY TO THE ORDER OF MEMO Any Office Office JOHN DOE 123 ANYSTREET RD. ANYTOWN, CITY DATE DOLLARS Security Features Included Details on Back MP 4 Customer Highlights Customer Highlights A summary of information about the transition to M&T. You will soon be served under the M&T Bank name u We have been serving you as the Wilmington Trust division of M&T Bank since May of this year, and soon the Wilmington Trust division branches and ATMs will begin to serve you under the M&T Bank name u Your Wilmington Trust division accounts will convert automatically to similar M&T accounts ACTION STEP: See the letter at the front of this guide for the actual conversion date and the names of your new M&T accounts. Familiar Faces Easy Access More Branches and ATMs REST EASY u You will be able to access your accounts with continued ease and convenience u You will find the same friendly people, ready to serve you at your branch u Your direct deposits will continue without interruption u 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 u Right now, simply bank as usual and keep in mind you can use your current ATM or Debit Card at any M&T ATM u After the conversion date, you ll have access to over 775 branches in Delaware, New York, Maryland, Pennsylvania, Washington, D.C., Virginia, Florida and West Virginia and more than 2000 ATMs in those same states, plus North Carolina and Ohio. Of these locations, more than 300 branches and nearly 900 ATMs are in the Mid-Atlantic region Account Numbers u Checking Accounts: Most checking accounts will continue to have the same account number. If your account number will change, you ll receive separate notification u Savings, Money Market, CD, Retirement Accounts, Loans, Lines of Credit and Credit Card Accounts: New account numbers will be mailed to you u New Account Number Look-Up: To view a new account number, you may also use the account number look-up tool at after the conversion date Using Your Checks DELUXE WALLET OR DUPLICATE SAFTEY PAPER $ u 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 your checking account number is changing, we will send a new supply of checks to you at no charge u Home Equity Lines of Credit: You ll receive new M&T checks, printed with your new account number, shortly after conversion. Please destroy your Wilmington Trust checks and begin to use your new checks as soon as they arrive. Wilmington Trust checks already written will be honored for a limited time u Credit Cards: Current convenience checks will no longer work as of the conversion date. New checks will be issued

5 5 New Debit and ATM Cards u Replacement Card: If you have a Wilmington Trust Debit Card or ATM Card today, you ll be mailed a similar type of M&T card shortly before conversion. M&T Check Cards will carry the VISA logo GOOD NEWS: M&T Bank will continue to offer the Monster Mile debit card. If you currently have a Monster Mile QuickCheck Card, it will be replaced with a Monster Mile Check Card from M&T. u 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 u New Card Number and Expiration Date: Your M&T card will have a new card number and expiration date ACTION STEP: If you currently use your card for automatic deductions or recurring payments to a third party (such as utilities or Internet service providers), please provide your new card number and expiration date to your payees to avoid interruption of your payments. u Activation: Please read the information accompanying your card about when to activate and use your new card u Transaction Limits: There are different 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 Consumer Deposit Account Terms and Conditions section u Card Transaction Fees: Transaction fees are listed in the Consumer Deposit Account Terms and Conditions section. Any fees for point-of-sale transactions initiated with your PIN will be waived for converted accounts until further notice u Linked Accounts: At M&T, you may have up to four personal checking, four personal savings and two personal 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. You can change the accounts that are linked to your card by contacting us on or after the conversion date u Online and Telephone Banking: Access your M&T Check Card or M&T ATM Card transaction details with secure 24-hour access through M&T Web Banking or the M&T Telephone Banking Center u For More Information: - See pages in this guide as well as the Important Dates section in the letter at the front of this guide - See the Consumer Deposit Account Terms and Conditions section for terms and fees that apply to the use of your card - See the information that will be enclosed with your new card

6 6 Customer Highlights Customer Highlights (continued) A summary of information about the transition to M&T. New Credit Card u Replacement Card: If you currently use a Wilmington Trust credit card, you will receive a new M&T credit card shortly before conversion. Please read the information accompanying your card about when to activate and use your new card. Note: You may begin to use your new M&T Visa Credit Card on the conversion date u 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 u New Card Number and Expiration Date: Your M&T Visa Credit Card will have a new card number and expiration date ACTION STEP: If you currently use your credit card for automatic deductions or recurring payments to a third party (such as utilities or Internet service providers), please provide your new card number and expiration date to your payees to avoid interruption of your payments. Total Rewards u Continue to Earn Rewards: If you currently participate in Total Rewards, you can continue to earn and redeem Total Rewards points until the conversion date. On the conversion date, your new M&T cards will be automatically enrolled in M&T Bank Rewards and your available Total Rewards points balance will convert to an equal number of M&T Bank Rewards points Online Banking and Bill Pay u Features and Benefits: With M&T Web Banking, M&T Bill Pay, Electronic Statements and Documents, and Bank to Bank Transfers, you ll enjoy a new level of convenience u It s Easy to Enroll: Just use your activated M&T Check Card, M&T ATM Card or M&T Credit Card to enroll on or after the conversion date. You can also call the Telephone Banking Center at or visit your local branch to enroll u Once You Enroll: Your converted accounts will be available for you to view. You will also have the opportunity to enroll in other value added services at M&T u Important Note for Wilmington Trust Wealth Advisory and Wilmington Brokerage Services clients: If you are currently enrolled in On-Line Portfolio and/or On-Line Brokerage, you can continue to use your current login credentials after conversion to access these services, as well as M&T Web Banking, and you will continue to log in at wilmingtontrust.com. M&T will automatically enroll you in M&T Web Banking so it is available for you at your first login following conversion at wilmingtontrust.com. If you are a Wealth Advisory Services or Brokerage client, please call your Relationship Manager with any questions u Access Your Wilmington Trust Bill Pay History: Your payee information, bill payment history and transfer history will be available for you to view once you enroll in M&T Web Banking. In addition, you will be able to access your transaction information and history through Wilmington Trust On-Line Banking for 90 days following conversion u For More Information: - See pages of this guide - See the Important Dates section in the letter at the front of this guide - Look for upcoming communications that will be sent to all registered users of Wilmington Trust On-Line Banking

7 7 Free Mobile Banking* u Anytime, Anywhere Convenience: Bank anytime, anywhere securely from your mobile phone u Capabilities: Check your balance, view transactions, find the nearest M&T locations, transfer funds between M&T linked accounts and pay bills with the convenience of your mobile phone u Services Available: M&T has Mobile Text Banking, Mobile Web Banking, and an iphone App ACTION STEP: Edit your mobile preferences from M&T Web Banking and/or proceed to mtb.com on your mobile device to start banking on the go Go to the App Store on your iphone, ipad TM or ipod touch and download the free M&T Mobile App* u Important Note for Wilmington Trust Wealth Advisory and Wilmington Brokerage Services clients: If you are currently enrolled in On-Line Portfolio and/or On-Line Brokerage, you can continue to use your current login credentials after conversion to access these services, as well as M&T Web Banking, and you will continue to log in at wilmingtontrust.com. M&T will automatically enroll you in M&T Web Banking so it is available for you at your first login following conversion at wilmingtontrust.com. If you are a Wealth Advisory Services or Brokerage client, please call your Relationship Manager with any questions Telephone Banking u 24-Hour Automated Access: You will continue to enjoy convenient automated access to your account information 24 hours a day, 7 days a week u Personal Assistance: This service will be available with extended weekend hours, Monday-Friday 6am-9pm ET and Saturday-Sunday 9am-5pm ET u For More Information: See page 11 of this guide Quicken and Quickbooks Users ACTION STEP: If you access your account information using Quicken or QuickBooks, visit and click on "Online Services" for actions you may need to take to update your software. Access to Your Accounts During Conversion Weekend ACTION STEP: See the letter at the front of this guide for a helpful day-to-day schedule ( Important Dates ) for when and how you can access your account by ATM, telephone and online. *Your mobile carrier s text messaging and data charges may apply.

8 8 Customer Highlights Customer Highlights (continued) A summary of information about the transition to M&T. Account Statements u Checking, Savings and Money Market Accounts: Two statements will be mailed to you for the month of conversion - A statement covering the period from the last statement date to the conversion date, including transactions and any interest earned for the period, and - A statement covering the period from the conversion date to your next regular statement date Future statements will arrive on approximately the same schedule as they do today u CD Accounts: You will receive a statement as of the conversion date. CD interest will be accrued but not posted u Retirement and Coverdell Education Accounts: You will receive an annual statement at year-end from M&T. A special conversion statement will not be sent u Installment and Home Equity Loans: If you have a coupon book today, you will begin to receive a monthly billing statement after conversion. If you make your payments with an automatic deduction, you will not receive a monthly billing statement. You will be able to access your account balance information through M&T Web Banking u For all Account Statements: Statements after conversion will only be sent to the primary address for your account u Combined Statements after conversion may include deposit accounts plus one line of credit account. Loans, mortgages, investments, brokerage and retirement account statements are mailed separately u Electronic Statements and Documents: You can enroll in our free service that provides you with up to 24 months of your statements and notices online through M&T Web Banking. Otherwise, you will receive paper statements in the mail. Electronic statements are not currently available for Installment and Home Equity Loans, but they will be available in the near future. Check your paper statements for updates on estatement availability Check Images u Check Images: If you currently receive images of your canceled checks for your checking account, they will continue to be included with your monthly checking statement. After conversion, check images from your checking accounts will also be available online. Up to 90 days of post-conversion history will be available (up to 24 months if you are enrolled in Electronic Statements and Documents). Money market and savings account statements do not include original checks or check images but you can view and print check images on M&T Web Banking u Check Retention: If you now have this service, it will continue automatically after conversion and be referred to as Check Safekeeping

9 9 Overdraft Solutions At M&T, a checking account can be linked to only one account for overdraft protection u Overdraft Protection Plans: After conversion, checking accounts may be linked to only one account for overdraft protection. This account may be either a savings, money market, line of credit or credit card account u Checking accounts currently linked to eligible overdraft protection accounts will generally continue to be linked as they are today - If you have more than one account linked to your checking account for overdraft protection, only one link will be maintained at conversion - If you have a savings account, credit card or line of credit, linked to multiple checking accounts, a link to only one checking account can be maintained u See page 24 of this guide for more information. Wire Transfers u Your new M&T Bank routing/aba number is: Wire Transfer Exception: For all domestic (within the U.S.) wire transfers, please use: ACTION STEP: Please notify anyone who sends incoming or outgoing payment instructions to or from your account of these new routing and transit numbers and any change to your account number. Note: If you currently initiate wire payments over the phone, you will receive additional instructions on your payment options in a separate mailing. See the Consumer Deposit Account Terms and Conditions and Privacy Notice Sections u The Consumer Deposit Account Terms and Conditions govern your deposit accounts as of the conversion date, and include account agreements, applicable fees and charges, interest terms, and more. Please note that converted deposit accounts may differ in some ways from standard deposit accounts opened at M&T before, at, or after the conversion date u Funds Availability: After conversion, funds from cash and checks you deposit may be available to you on a different schedule than you re used to. See the Consumer Deposit Account Terms and Conditions section for information on the funds availability policy effective after the conversion date u Privacy Notice: If you wish to opt out of information sharing at M&T, you must do so on or after the conversion date, even if you had opted out at Wilmington Trust. After conversion, just call us at or visit our website at and click on the Privacy link Additional Mailings WATCH YOUR MAIL u Separate mailings will be sent to you if you have: A new account number Online banking and bill pay A Debit or ATM Card A Credit Card A residential mortgage A home equity loan or line of credit An investment account* *Brokerage services are provided by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank

10 10 Account access u Account access Branches and ATMs M&T Telephone Banking Center Debit and ATM Cards Credit Cards M&T Bank Rewards M&T Web Banking - M&T Bill Pay - Bank to Bank Transfers - Electronic Statements and Documents M&T Mobile Banking Every Minute Counts We understand that saving time is important to you. And that s why we make banking with us fast and easy, just as you have come to expect. M&T offers you the convenience you deserve, 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 the opportunity to assist you at our branches, as well as to serve you by ATM, phone, online and mobile device. You ll feel right at home at M&T where your convenience continues to be our priority, every minute of every day.

11 11 Branches and ATMs Branches Look for the M&T sign: Wilmington Trust division branches and ATMs will soon begin to serve you under the M&T Bank name. You ll continue to be served by the same team of banking professionals, who have joined the M&T family After conversion, you ll have access to over 775 branches in Delaware, New York, Maryland, Pennsylvania, Washington, D.C., Virginia, Florida and West Virginia and more than 2000 ATMs in those same states, plus North Carolina and Ohio Visit and click on Branches & ATMs at the top of the page to find the branch or ATM nearest you or go to mtb.com on your mobile device and use the M&T Branch & ATM Locator to find M&T on the go 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 business day cut-off time (change of business day) for ATM deposit crediting may be as early as noon ET depending on location Coin dispensing and check cashing at ATMs will be discontinued as of the conversion date M&T Telephone Banking Center Call Toll-Free: hour Automated Access to Your Accounts Secure access: Use your M&T account or card 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 at no charge - Make a stop payment request - Change your PIN (Personal Identification Number) - And more Personal Service Seven Days a Week Customer service for existing accounts: If you would like personal service with your accounts or transactions, we are here to assist you: - Monday Friday, 6am 9pm ET - Saturday and Sunday, 9am 5pm ET To open a new account or apply for a loan: Our account representatives can help you choose a new M&T Bank account that s right for you. - Monday Friday, 8am 8pm ET - Saturday, 9am 3pm ET Information on brokerage accounts is available by calling M&T Securities, Inc. at , option 1 If you are a Wealth Advisory Services or Private Banking client, please call your Relationship Manager with any questions. Important Information Telephone Bill Payment service will no longer be available as of the conversion date. Bill payments can be processed through M&T s Web Banking service. More information on M&T Web Banking and Bill Pay can be found on pages of this guide M&T does not utilize the Telephone Access Code (TAC) verification that you may have used at Wilmington Trust. For automated access to your accounts, you will need your Debit or ATM Card number and PIN or account number and Social Security Number. For personal service with a telephone service agent, you will need your account number and Social Security Number

12 12 Account access Debit and ATM Cards New Bank Card from M&T If you currently have a Wilmington Trust Debit or ATM Card to access your personal deposit accounts, it will be replaced by a new card from M&T Bank as follows: Current Wilmington Trust Card QuickCheck SM Debit Card New M&T Bank Card u M&T Check Card (if your converted checking account is an M&T Checking SM, M&T Totally Free Checking or Classic Checking account) Daily Transaction Limits u Up to 9 ATM transactions totaling up to $500 u Up to 15 other transactions, including purchases or bill payments, totaling up to $2,500 QuickCheck SM Debit Card u M&T Gold Check Card (if your converted checking account is a Power Checking, M&T Select, M&T Select With Interest or Employee M&T Select With Interest account) u Up to 15 ATM transactions, totaling up to $1,000 u Up to 20 other transactions, including purchases or bill payments, totaling up to $5,000 Monster Mile QuickCheck SM Debit Card u Monster Mile Check Card u Up to 9 ATM transactions, totaling up to $500 u Up to 15 other transactions, including purchases or bill payments, totaling up to $2,500 STAR Card u M&T ATM Card u Up to 9 ATM transactions, totaling up to $500 u Up to 9 PIN purchases, totaling up to $500 Transaction Limits: These limits on the number and dollar amount of transactions you may make during a single day with your M&T Card may differ from the limits that apply to the use of your card today. For more information about transaction limits, please refer to the Consumer Deposit Account Terms and Conditions section

13 13 Card Number and Expiration Date: Your new M&T Card will have a new card number and new expiration date PIN: Your new M&T Card will have the same four-digit Personal Identification Number (PIN) as before Access with M&T Check Cards: 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 Access with M&T ATM Cards: The M&T ATM Card can be used at ATMs, as well as to make purchases at participating merchants, using your four-digit PIN. Purchases you make with your M&T ATM Card are deducted directly from your primary linked account Card Transaction Fees: Transaction fees are listed in the Consumer Deposit Account Terms and Conditions section. Any fees for pointof-sale transactions initiated with your PIN will be waived for converted accounts until further notice Linked Accounts: At M&T you may have up to four personal checking, four personal savings and two personal line of credit accounts linked to a single card. You will receive a list of your linked accounts with your new card. You can change the accounts that are linked to your card by contacting us on or after the conversion date Cards Linked to Joint Accounts: If you currently share the same card number with someone else on your account, each cardholder will receive a different card number from M&T. If you currently earn reward points together, you will continue to do so Extra Security: When you use your M&T Check Card on the Internet, enjoy added security through Verified by Visa. You will need to enroll your M&T Check Card by visiting after the conversion date Online and Telephone Banking: Access your M&T Check Card or M&T ATM Card transaction details with secure 24-hour access through M&T Web Banking or the M&T Telephone Banking Center Rewards: Your Wilmington Trust Total Rewards points balance at the time of conversion will be converted to M&T Bank Rewards. Please see page 17 in this guide for full details about the conversion of Wilmington Trust Total Rewards For More Information: - See the Important Dates section of the letter at the front of this guide - See the Consumer Deposit Account Terms and Conditions section for terms and fees that apply to use of your card - See the information that will be enclosed with your new card Wilmington Trust Gift Cards: Gift Cards will continue to work under existing terms and conditions until they expire or funds on the card are depleted

14 14 14 Account access Access Credit Cards New Credit Card from M&T If you currently have a Wilmington Trust Credit Card, it will be replaced with a new M&T Visa Credit Card with Rewards or an M&T Visa Signature Credit Card Your new M&T Visa Credit Card will have the same credit limit as your Wilmington Trust Credit Card. Your cash limit, which is equal to 30% of your total credit line, will be available for cash advances and convenience checks Your new M&T Visa Credit Card will have a new account number and new expiration date If you currently share a joint account and have joint cards (with the same account number), or if you have authorized user(s) on your Wilmington Trust Credit Card account, you will receive a new card for each cardholder, each with a different card number NOTE: All transactions will continue to be reflected on the primary account and you will continue to receive one monthly statement. Transactions on your statement will be broken down by card number to help you track your spending. Your new M&T Visa Credit Card will have the same four-digit Personal Identification Number (PIN) as before At M&T, only the primary or joint cardholder is authorized to activate the new card(s). When the primary or joint cardholder activates his or her card, all cards in the relationship will be activated at the same time Rewards Your Wilmington Trust Total Rewards points balance at the time of conversion will be converted to M&T Bank Rewards. Please see page 17 in this guide for full details about the conversion of Wilmington Trust Total Rewards.

15 15 The Hagley Museum is a tribute to the history and future of American enterprise, and the birthplace of the international DuPont Chemical Company. Overdraft Protection with Your M&T Visa Credit Card You can use your M&T Visa Credit Card to provide overdraft protection for your M&T checking account. Important Notes about Overdraft Protection: You may only have one account linked to your M&T checking account for overdraft protection. Similarly, you may only have one checking account linked to your M&T Visa Credit Card for overdraft protection You will continue to receive access to your full credit limit to cover overdraft transfers Overdraft transfers will occur in exact dollar amounts Overdraft transfers from your M&T Visa Credit Card account occur throughout the day whenever a transaction exceeds your available checking account balance Only one overdraft transfer fee will be assessed per day, not per transaction Account Terms and Conditions Certain Annual Percentage Rates (APRs) and fees associated with your Wilmington Trust Credit Card Account may change at M&T. You will be receiving a separate Change-in-Terms Notification with the specific details of these changes Transaction Limits: There are different limits on the number and dollar amount of transactions you may make during a single day with your M&T Visa Credit Card. Please refer to the information included with your new card for more details Daily Transaction Limits* Up to $15,000 for a single purchase transaction Up to 20 transactions totaling up to $17,500 Up to 4 ATM transactions from your credit card account totaling up to $1,500 Card Transaction Fees: Please refer to your Change-in-Terms Notification for specific fee information Statement and Payment Information Your account cycle date may change at M&T, and your payment due date will be at least 25 days from your new cycle date Your M&T Visa Credit Card statement will be sent to the primary account address only 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 date of conversion, please address them to: M&T Bank Credit Card Payment Processing P.O. Box Baltimore, MD *ATM transaction limitations apply to any combination of cash withdrawals from your credit card account or any linked deposit accounts.

16 16 Account access Automatic Payments If you make payments to your credit card account through automatic deductions from a Wilmington Trust division deposit account, or from a deposit account at another institution, your automatic payments will continue as before, without interruption Automatic Payments can be set up for an amount equal to one of the following: - Previous Statement Minimum Payment, or - Previous Statement Total Outstanding Balance If you were previously set up at Wilmington Trust for automatic payments at a Fixed Amount, your account will now be set up for Previous Statement Minimum Payment NOTE: Payments will be deducted automatically when there are sufficient funds in the funding deposit account on the date 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 and you will need to make a payment by alternative means. Easy Access Make payments, transfer funds or review account details at any M&T Bank branch, M&T ATM, the Telephone Banking Center or via M&T Web Banking ATM Access: If you currently have access at the ATM to your checking and/or savings accounts using your Wilmington Trust Credit Card, your access will continue at M&T using your new M&T Visa Signature Credit Card Daily Transaction Limits* Up to 4 ATM cash withdrawals from your deposit account totaling up to $1,500 *ATM transaction limitations apply to any combination of cash withdrawals from your credit card account or any linked deposit accounts. Convenience Checks: You will receive new M&T convenience checks to allow you to access funds directly from your M&T Visa Credit Card account. Please destroy your remaining Wilmington Trust Credit Card convenience checks as of the day of conversion Important Note: As of the date of conversion, your convenience checks are subject to the cash limit associated with your new M&T Visa Credit Card, which is equal to 30% of your total credit limit. Recurring Payments: If you currently use your Wilmington Trust Credit Card for automatic deductions or recurring payments to a third party (such as utilities or Internet service provider), please provide your new card number and expiration date to your payees to avoid interruption of your payments Visa paywave: Your new M&T Visa Credit Card features Visa paywave, an innovative new service that provides a faster, easier way to get through checkout at thousands of merchants Extra Security: When you use your M&T Visa Credit Card on the Internet, enjoy added security through Verified by Visa. You will need to re-enroll your M&T Visa Credit Card even if you have previously enrolled your Wilmington Trust Credit Card in the program. For more information or to enroll, visit after the conversion date Online and Telephone Banking: Access your M&T Visa Credit Card account details with secure 24-hour access through M&T Web Banking or the M&T Telephone Banking Center For More Information: - See the Important Dates section of the letter at the front of this guide - Please refer to your Change-in-Terms notification, which will be mailed to you separately, for specific information on terms and fees that apply to use of your M&T Visa Credit Card - See the information that will be enclosed with your new card

17 17 M&T Bank Rewards Wilmington Trust Total Rewards Program If you are currently enrolled in Wilmington Trust Total Rewards, you can continue to earn Total Rewards points and can redeem items from the Total Rewards catalog until the conversion date You can manage your Total Rewards account prior to conversion, by visiting the Total Rewards website at On the conversion date, your new M&T cards will be automatically enrolled in M&T Bank Rewards and your available Total Rewards points balance will convert to an equal number of M&T Bank Rewards points. You will have 18 months following the conversion to redeem your points, provided that you activate your Rewards account. Points not redeemed within that period will expire All of your cards that are currently linked together in Total Rewards will be automatically linked together in M&T Bank Rewards following conversion ACTION STEP: Be sure to activate your M&T Bank Rewards account. You will need to activate your new account using your new M&T card in order for your Total Rewards Points to transfer to M&T Bank Rewards. To activate, simply visit our secure website, and choose the option to Log In using your Card Number. You will be asked to provide the following information: M&T card number Last four digits of your Social Security Number Date of Birth You ll then be able to create a User ID and Passcode for your new M&T Bank Rewards account. Please be sure to activate your account within 90 days following conversion. All accounts that have not been activated by that time will be removed from M&T Bank Rewards. NOTE: There will be a period of approximately 10 days following the conversion date when points will not be able to be viewed on the website or redeemed. You ll continue to earn M&T Bank Rewards points during this period of time for qualifying purchases.* Beginning about 10 days after conversion, you ll be able to view your new M&T Bank Rewards points at or if you prefer, you may call the M&T Bank Rewards Center at at that time. M&T Bank Rewards Get rewarded for the spending you already do. With M&T Bank Rewards, it s easy. Earn points when you use your enrolled M&T Check Card, M&T Check Card for Business, or M&T Visa Credit Card. You can redeem the points that you earn for: Cash value awards Gift cards to popular stores and restaurants Brand name merchandise, including electronics, home & garden and accessories Travel rewards, including gift cards and certificates for flights, hotels and car rentals Best of all, there s NO FEE to participate, plus you can link your eligible M&T cards together to earn rewards faster, and newly earned points last up to 4 years. Earning Points is Easy Your new M&T Check Card and/or M&T Credit Card will be automatically enrolled in M&T Bank Rewards, and you will start earning points with every qualifying purchase that you make after you activate your account In addition, you can earn up to 20 points for every $1 that you spend at participating retailers through M&T Bank Rewards Bonus Offers** View for full details on how to earn points with your new M&T cards Learn More You can learn more by visiting rewards to review M&T Bank Rewards benefits and Terms and Conditions * Qualifying Purchases generally include signature-based, Internet, mail-order, phone-order, or small dollar purchases for which the merchant does not require you to sign in addition to automatic bill payments. Purchases made using a personal identification number (PIN) or any purchase you initiate through identification technology that substitutes for a PIN are not Qualifying Purchases. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, fees, finance charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Please review the program Terms and Conditions for additional program details at ** The list of Participating Retailers and Bonus Offers are subject to change without notice. Before making a purchase, you should review the details of the Program, including the list of Participating Retailers, Bonus Offers and Bonus. Offer terms and conditions at rewards.mtb.com. Some Participating Retailers Bonus Offers may allow you to earn points and other rewards for online purchases only.

18 18 Account Access 18 Account access Settled 350 years ago, historic New Castle has a number of notable old houses, and tales of Dutch colonists and revolutionary leaders. M&T Web Banking Features: Get account information, including balances and transaction history, view check and statement images, transfer funds and more... anytime, anywhere It s Easy to Get Started: It s fast, easy and secure. And you can enroll online, using one of three simple methods shown below. You can also call the Telephone Banking Center at or visit your local branch to enroll - With an M&T Check Card or ATM Card and valid PIN: You will need to provide your card number and PIN - With an M&T Credit Card and valid PIN: You will need to provide your social security number, Credit Card number, security code (on the back of your Credit Card) and date of birth - Without an M&T Check Card, ATM Card or Credit Card: You will need to provide your social security number, account type, account number and date of birth View our Website: Visit to learn more about M&T Web Banking and the new online products and features that M&T offers, including Credit Score and FinanceWorks Please Note: Certain features you may currently use in Wilmington Trust On-Line Banking will not be available in M&T Web Banking, including: - The ability to view closed account statements - Tax information (although you can use FinanceWorks to categorize your transactions for tax purposes) - The ability to hide accounts from view Important Note for Wilmington Trust Wealth Advisory and Wilmington Brokerage Services clients: If you are currently enrolled in On-Line Portfolio and/or On-Line Brokerage, you can continue to use your current login credentials after conversion to access these services, as well as M&T Web Banking, and you will continue to log in at wilmingtontrust.com. M&T will automatically enroll you in M&T Web Banking so it is available for you at your first login following conversion at wilmingtontrust.com. If you are a Wealth Advisory Services or Brokerage client, please call your Relationship Manager with any questions. Rest Easy: You will still be able to access your Wilmington Trust bill pay history. Your payee information, bill payment history and transfer history will be available for you to view at M&T once you enroll in M&T Web Banking. Additionally, you will be able to access your historical transactions and information through Wilmington Trust On-Line Banking for 90 days following conversion WATCH FOR: ACTION STEP: If you currently use Wilmington Trust On-Line Banking, you will receive separate communications with more detailed information. See the Important Dates section of the letter at the front of this guide for a calendar of when you can enroll in and begin using M&T Web Banking and M&T Bill Pay.

19 19 M&T Bill Pay Your current payee information will be transferred to M&T Web Banking and available to you once you enroll Use M&T Web Banking or Mobile Banking to initiate your bill payments 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 How an M&T Bill Payment is Made Please review the chart below for a summary of how bill payments are made through M&T Web Banking and Mobile Banking. Please note that, beginning on the conversion date, funds will be withdrawn from your account 2 to 4 business days prior to the delivery date you ve specified for your bill payment. 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. Note: The Telephone Center/Branch Assisted Bill Payments service will no longer be available as of the conversion date. Bill payments can be processed through M&T Web Banking. The Wilmington Trust Payee service (making a payment to another Wilmington Trust customer) will be discontinued as well. Please contact us regarding alternate payment options.

20 20 Account access M&T Web Banking (continued) Bank to Bank Transfers After conversion, if you wish to use the Bank to Bank Transfer service, you will need to enroll in the service and set up the external accounts you wish to include Once you have enrolled in Bank to Bank Transfers, you will be able to: - Transfer funds between eligible personal M&T checking, savings and money market accounts and your accounts at other financial institutions in the U.S. - Schedule one-time and recurring standard 3-day external transfers Standard 3-day Bank to Bank Transfer limits, as follows, will apply: - Inbound: $20,000 per day - Outbound: $10,000 per day Electronic Statements and Documents View up to 24 months of statements, notices and M&T check images online for free, reducing the risk of losing important account documents in the mail Receive notification when your statement or a notice is ready View, print and save statements and notices right to your computer with ease Be assured that your electronic statements look just like your paper statements NOTE: If you currently receive an electronic statement for your account, after conversion you will need to enroll through M&T Web Banking if you wish to continue receiving electronic statements. Electronic statements are not currently available for Installment and Home Equity Loans, but they will be available in the near future. Check your paper statements for updates on estatement availability. Quicken and Quickbooks Users: If you access your account information using Quicken or QuickBooks visit and click on "Online Services" for more information. M&T Mobile Banking Enjoy the convenience of securely banking on the go Mobile Text Banking: Enroll in Mobile Text Banking to check account balances, view recent transactions, and locate M&T branches and ATMs Mobile Web Banking: Proceed to mtb.com on your mobile phone and use your M&T Web Banking user ID and passcode to log on. Check account balances, view recent transactions, transfer funds between linked M&T accounts, pay bills, and locate nearby M&T branches and ATMs App for iphone: Download our App to an iphone, ipod touch or ipad to check account balances, view recent transactions, transfer funds between linked M&T accounts, pay bills, and locate nearby M&T branches and ATMs For more information: Please visit

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