How To Convert To M&T Bank At Wilmington Trust

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1 Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR COMMERCIAL, BUSINESS AND PROFESSIONAL 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 information you need about the conversion of your accounts and services to M&T Bank systems. The Commercial, Business & Professional Banking Highlights section on pages 4-10 is a great place to start. Commercial, Business & Professional Banking Highlights 4-10 A brief summary of what you can expect when we begin to serve you under the M&T Bank name and where to find more information. Account Access Branches and ATMs Debit and ATM Cards Credit Cards M&T Bank Rewards M&T Web Banking for Business M&T Web InfoPLU$ Commercial and Treasury Management Customer Service M&T Business Telephone Banking Center Your New M&T Accounts and Services Checking Accounts Savings and Money Market Accounts Certificate of Deposit Accounts (CDs) Commercial and Business Lending Treasury Management Services More Choices from M&T To help you get the most value now and in the future. If you have questions, we re here to assist you. M&T Business Telephone Banking Center: M&T Commercial Service Team: Or visit us any time at This part of the guide provides an overview of your commercial and business accounts and services at M&T Bank, including the changes that will take place at conversion. For detailed information about the terms governing your company s deposit accounts after the conversion to M&T Bank systems, please refer to the Commercial 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. Looking forward with M&T Wilmington Trust is now part of the M&T Bank Corporation family. 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. This means that, as an M&T Bank customer, you ll receive the same professional, responsive service, from the same familiar associates you work with today. You can expect the same high level of commitment to you and your business, and to the community around you. Together, we can help you go farther, with: Responsive, professional service: You ll continue to work with a dedicated Relationship Manager, backed by a team of customer service professionals and knowledgeable product specialists ready to listen, guide and support you every step of the way Great choices; added resources: At M&T, you ll find a wide range of commercial and business banking accounts designed to help build financial security for the long run. No matter where you are now, and what your goals are for the future, we have the products and services to help get your business there The credit you deserve: M&T ranks as the number one SBA lender in the Philadelphia area and sixth nationwide. We are also a leading lender in the Mid-Atlantic region* Extra convenience: More offices and ATMs, enhanced online and telephone banking services, and expanded Treasury Management services to increase the efficiency and security of your business Ongoing strength and stability: M&T consistently ranks as one of the strongest and best-managed banks in the nation *According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA s 7(a) lending program for the Philadelphia District Office, for the Baltimore Office, and nationally, during the fiscal year ending 9/30/2010.

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 Highlights Commercial, Business & Professional Banking 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 People Easy Access More Branches and ATMs Account Numbers Using Your Checks DELUXE WALLET OR DUPLICATE SAFTEY PAPER ABC COMPANY $ 1234 REST EASY u You will be able to access your accounts with continued ease and convenience u You will find the same experienced professionals, ready to serve you at your branch and on the phone u Your 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, New Jersey 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 u Commercial and Business Checking Accounts: Most checking accounts will continue to have the same account number. If your account number will change, you ll receive separate notification and your new M&T account number will appear on future statements and correspondence u Commercial and Business Savings, Money Market, CD and Credit Card Accounts: New account numbers will be mailed to you u Loans and Lines of Credit: Most loans and lines of credit will continue to have the same account number. If your account number will change, you ll receive separate notification and your new M&T account number will appear on future invoices and correspondence 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 u Commercial and Business Checking, Savings and Money Market Accounts: Use your current supply of checks and deposit slips, even after conversion. When you are ready to reorder checks through M&T, your new supply will be printed with the M&T logo and routing and transit number. If your account number is changing, you will receive a separate communication with information about how to reorder your checks shortly after the conversion date (continued)

5 5 Using Your Checks (continued) u Business Lines of Credit: If your line of credit is converting to a Business Access Line 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 after conversion. For your convenience, we will send you checks to access your line of credit, even if you do not currently have checks for that account u Business Credit Cards: Current convenience checks will no longer work as of the conversion date. New checks will not be issued New Debit and ATM Cards u Replacement Card: If you currently have a Wilmington Trust Debit or ATM Card to access your business deposit accounts, you will be mailed a similar type of M&T card shortly before conversion. Your new business card cannot be used to access personal accounts 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 new 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 a cell phone or business utilities), please provide your new card number and expiration date to your payees to avoid interruption of your payments. u Activation: Please read the information in your card mailer 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 Commercial Deposit Account Terms and Conditions section u Card Transaction Fees: Transaction fees are listed in the Commercial 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 business checking, four business savings and two business 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 for Business or M&T ATM Card for Business transaction details with secure 24-hour access through M&T Web Banking for Business or the M&T Business Telephone Banking Center u For More Information: - See the Important Dates section in the letter at the front of this guide - See the Commercial 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 Highlights Commercial, Business & Professional Banking 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 Bank Visa Platinum Business Rewards Card shortly before conversion. Please read the information accompanying your card about activation and use u New 4-digit PIN: Shortly before conversion, you will receive a mailing with a new 4-digit PIN and directions on how to change it u New Card Number and Expiration Date: Your new M&T 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, 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 will continue to earn and redeem Total Rewards points until the conversion date. On the conversion date, your Total Rewards points balance for your debit cards will convert to an equal number of M&T Bank Rewards points. Any Total Rewards point balance from your credit card will convert separately to M&T Bank Visa Platinum Business Rewards u Additional Details: Please see page 15 for more information Wilmington Trust Commercial and Business On-Line Banking If you use Wilmington Trust Business or Commercial On-Line Banking to access your business accounts, your services will be converted to M&T Web InfoPLU$ on the conversion date. Web InfoPLU$ is M&T Bank s Internet Information Reporting and Payment Initiation Service for Treasury Management clients. You may begin to use this service when you complete the required documentation. ACTION STEP: A separate mailing has been sent to you with applicable agreements, authorization forms and other important information. Please sign and return all required documents promptly.

7 7 Wilmington Trust On-Line Banking and Bill Pay If you use Wilmington Trust On-Line Banking to access your business accounts, your services will be automatically converted to M&T Web Banking for Business on the conversion date and you may begin to use this service when you enroll. u New Features and Benefits: With M&T Web Banking for Business, you ll enjoy convenient access to your accounts. Some features will be different from before u User ID and Passcode: See the Important Dates section in the letter at the front of this guide for log on information. You will also receive separate s with additional log on instructions u Access Your Wilmington Trust Account 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 for Business. In addition, you will be able to access historical transactions and information through Wilmington Trust On-Line Banking for 90 days following conversion 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 for Business, and you will continue to log in at wilmingtontrust.com. M&T will automatically enroll you in M&T Web Banking for Business so it is available for you at your first login at wilmingtontrust.com following conversion. If you are a Wealth Advisory Services or Brokerage client, please call your Relationship Manager with any questions u For More Information: - See page 16 of this guide - See the Important Dates section in the letter at the front of this guide - See the separate s that will be sent to all registered users of Wilmington Trust On-Line Banking and bill pay Quicken and Quickbooks Users u If you access your account information using Quicken or QuickBooks, visit and click on "Online Services" for more information M&T Business Telephone Banking Center u You will continue to enjoy convenient automated access to your accounts 24 hours a day, 7 days a week. You will need your new M&T Check Card for Business and your PIN for access to your accounts u Service representatives are available Monday-Friday, 7am-7pm and Saturday, 9am-5pm ET u For More Information: See page 17 of this guide Access to Your Accounts During Conversion Weekend ACTION STEP: See the Important Dates section in the letter at the front of this guide for a helpful day-to-day schedule. You ll see when and how you can access your account by ATM, telephone and online.

8 8 Highlights Commercial, Business & Professional Banking 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, AND A statement covering the period from the conversion date to your next regular statement date - You will receive future statements at month end u CD Accounts: - You will receive a statement as of the conversion date. CD interest will be accrued but not posted - After conversion, statements will be issued with the same frequency as today u Combined Statements: After conversion, combined statements will continue with a different format. You will receive individual statements for each of your business accounts, grouped into one package u Electronic Statements: - If you are a registered user of Wilmington Trust Business or Commercial On-Line Banking and are enrolled to receive your statements electronically, you will be automatically enrolled in M&T s Commercial Electronic Statement service delivered through M&T s Commercial Services Single Sign-On. You will be provided with a user ID and password to access your statements. Electronic statements will be available the first full month following conversion and will include that period s statement and the statement covering the period from the conversion date to the regular statement date. Statements are available for up to 24 months - All other users have the option to request free electronic statements for their M&T accounts the first time they sign on to M&T Web Banking for Business 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 at no charge u Check Retention: If you now have this service, it will continue automatically after conversion and be referred to as Check Safekeeping u Online Check Images: M&T offers several ways for you to view online images of your paid checks, including through Web InfoPLU$ or M&T Web Banking for Business. After conversion, check images from your checking accounts will be retained for up to 24 months

9 9 Overdraft Solutions At M&T, a checking account can be linked to only one account for overdraft protection u After conversion, checking accounts may be linked to only one account for overdraft protection. This account may be a savings, money market or line of credit 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 or line of credit, linked to multiple checking accounts, a link to only one checking account can be maintained - If you have a business credit card linked to your checking account for overdraft protection, that overdraft link will no longer be available. This service will be converted to a Business Overdraft Line of Credit. You will receive a separate mailing with additional information u See page 21 of this guide for more information Business Loans and Lines of Credit u Most features of your account will remain the same. If there are any changes, you will receive a separate notification u Most accounts will continue to have the same account number. If your account number will change, you ll receive separate notification u Your monthly invoice will have a new format and new payment address u For customers who make loan payments with automatic deduction, this service will continue without interruption. Please see page 26 for more information Treasury Management and Merchant Services u Your services at M&T will be similar to those you use today, with some new features and enhancements ACTION STEP: A separate mailing has been sent to you with applicable agreements, authorization forms and other important information. Please sign and return all required documents promptly. u If you have questions about your Treasury Management services, please contact your Relationship Manager or the M&T Commercial Service Team at Monday-Friday, 8am-6pm ET u For Merchant Services, please continue to call for assistance, just as you do today, or contact your branch or Relationship Manager u You can continue to enjoy convenient automated telephone access to your accounts at any time. You will need your new M&T Check Card for Business and your PIN for access to your accounts by calling the M&T Business Telephone Banking Center at Service representatives are available Monday-Friday, 7am to 7pm and Saturday, 9am-5pm ET

10 10 Highlights Commercial, Business & Professional Banking Highlights (continued) A summary of information about the transition to M&T. Wire Transfers Automated Clearing House (ACH) Transfers See the Commercial Deposit Account Terms and Conditions Section u Incoming Domestic Wires: - You will be able to continue to receive incoming domestic wire payments using the same routing and transit information that is used today - As of the conversion date, if you wish, you may also begin to use the main M&T Bank routing and transit number ( ) for incoming domestic wires u Incoming International Wires: As of the conversion date, use the following IDs for incoming International wires: - For International US Dollar wires, use CHIPS ID For International foreign currency wires, use SWIFT ID MANTUS33 - For International Trade Finance wires, use SWIFT ID MANTUS33INT u Outgoing Wires: If you initiate outgoing wire transfers, please see the Treasury Management mailing you should have already received for details regarding these transfers u Unless otherwise notified, you should continue to use the same account number and routing number you use today. With the exception of customers who have been informed that their account numbers and/or routing numbers will change, all information has been set up on M&T s ACH processing systems to mirror the way it was set up on Wilmington Trust systems. Any changes to the account or routing numbers contained within your ACH origination files may result in payment delays u Certain information shown on your M&T Bank statement may differ slightly from what you see on your account statements today. M&T Bank account statements report standard payment information, including sender name, dollar amount, etc. However, we do not report the back-office bank reference number that appears on your account statements today. If you have any questions, please feel free to contact the M&T Commercial Service Team at u If you originate ACH transactions, please see the Treasury Management mailing you should have already received for details regarding these transfers u The Commercial Deposit Account Terms and Conditions govern your business and commercial deposit accounts as of the conversion date and include account agreements, interest information, fee schedule and more. Please note that converting deposit accounts may differ in some ways from standard deposit accounts opened at M&T before, at, or after the conversion date, and funds from cash and checks you deposit at M&T may be available to you on a different schedule than you re used to; however, the funds availability schedule applied to deposits processed through the Lockbox service will remain the same 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 for business A business Debit or ATM Card A business Credit Card Investment accounts* Treasury Management services Certain line of credit accounts will receive new agreements and new M&T line of credit checks *Brokerage services are provided by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank

11 Account Access 11 u Account access Branches and ATMs Debit and ATM Cards Credit Cards M&T Bank Rewards M&T Web Banking for Business M&T Web InfoPLU$ Commercial and Treasury Management Customer Service M&T Business Telephone Banking Center 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 business 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 and your business at our branches, as well as to serve you by ATM, phone and online. You ll feel right at home at M&T Your convenience continues to be our priority, every minute of every day.

12 12 Account Access The Hagley Museum is a tribute to the history and future of American enterprise, and the birthplace of the international DuPont Chemical Company. 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, New Jersey 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

13 13 Debit and ATM Cards New Business Cards from M&T If you currently use a Wilmington Trust Debit or ATM Card to access your business deposit accounts, it will be replaced by a new business card from M&T Bank. New M&T Bank Card M&T Check Card for Business M&T ATM Card for Business Daily Transaction Limits Up to 15 ATM transactions totaling up to $1,000 Up to 20 other transactions including purchases and bill payments, totaling up to $7,500 Up to 9 ATM transactions totaling up to $500 Up to 9 PIN-based 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, please refer to the Commercial Deposit Account Terms and Conditions section. 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 for Business: Your M&T Check Card for Business can be used at ATMs, and for purchases wherever VISA debit cards are accepted Access with M&T ATM Cards for Business: The M&T ATM Card for Business can be used at ATMs, as well as to make purchases at participating merchants, using your four-digit PIN Please Note: If you or one of your employees uses a QuickCheck SM Business Debit Card Merchandise- Only Card, it will be converted to an M&T Check Card for Business, with the transaction limits above, unless alternative limits have been arranged Linked Accounts: M&T allows up to four business checking, four business savings and two business line of credit accounts linked to a single card. You will receive the list of linked accounts when you receive your new card Online and Telephone Banking: Access your M&T Check Card for Business or M&T ATM Card for Business transaction details with secure 24-hour access through M&T Web Banking for Business or the M&T Business Telephone Banking Center 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 Rewards: Your Wilmington Trust Total Rewards points balance at the time of conversion will be converted to M&T Bank Rewards. Please see page 15 in this guide for full details about the conversion of Wilmington Trust Total Rewards For More Information: - See the Important Dates section in the letter at the front of this guide - See the Commercial 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 WATCH YOUR MAIL: See the materials that will be enclosed with your new card for more information If you do not receive your new card by the date indicated on the letter at the front of this guide, please call

14 14 Account Access Settled 350 years ago, historic New Castle has a number of notable old houses, and tales of Dutch colonists and revolutionary leaders. Credit Cards New Credit Card from M&T If you currently have a Wilmington Trust Visa Business Credit card, it will be replaced with the M&T Bank Visa Platinum Business Rewards Card. You can continue to use your Wilmington Trust Visa Business Credit Card until you receive your new card (shortly before conversion) Your new M&T Bank Visa Platinum Business Rewards Card will have the same credit limit as your Wilmington Trust Visa Business Credit Card Your new M&T Bank Visa Platinum Business Rewards Card will have a new account number and new expiration date If you currently have multiple cards for your business (with the same account number), you will receive a new card for each cardholder Your new M&T Bank Visa Platinum Business Rewards Card will have a new four-digit Personal Identification Number (PIN) Shortly before conversion, you will receive a separate mailing detailing card activation and other terms and conditions Rewards Points earned on your Wilmington Trust Visa Business Credit Card will convert to M&T Bank Visa Platinum Business Rewards program. Details will be sent in a separate mailing shortly before conversion.

15 15 M&T Bank Rewards Wilmington Trust Total Rewards If you are currently enrolled in Wilmington Trust Total Rewards, you will continue to earn Total Rewards points, and can redeem items from the Total Rewards catalog until the conversion date - You can continue to manage your Total Rewards account prior to conversion by visiting the Total Rewards website at On the conversion date, your available Total Rewards points balance for your cards will be converted as follows: - The Total Rewards points for your QuickCheck SM debit card will be converted to M&T Bank Rewards points, and you will be able to access your new M&T Bank Rewards account at beginning approximately 10 days following the date of conversion. You will need to follow the steps on this page to activate your account - The Total Rewards points for your credit card will be converted to M&T Bank Visa Platinum Business Rewards. You will receive additional information about your conversion to M&T Bank Visa Platinum Business Rewards in a separate mailing shortly before conversion - Points converted from Total Rewards to M&T Bank Rewards will be available for 18 months following the conversion date. Points not redeemed during that period will expire ACTION STEP: Be sure to activate your M&T Bank Rewards account. You will need to activate your new account in order for your new M&T cards and 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 Check Card for Business 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. Please 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. 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 for Business.* You can redeem the points that you earn for: Cash value awards Gift cards to some of your favorite stores and restaurants Brand name merchandise, including electronics and accessories Travel rewards, including gift cards and certificates for flights, hotels and car rentals Best of all, there s NO FEE to participate, and newly earned points last up to 4 years. Learn More You can learn more about M&T Bank Rewards by visiting to review benefits and Terms and Conditions You will receive additional information about M&T Bank Visa Platinum Business Rewards in a separate mailing shortly before conversion * 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

16 16 Account Access M&T Web Banking for Business If you use Wilmington Trust On-Line Banking to access your business accounts, you will be automatically converted to M&T Web Banking for Business. After the conversion date, you ll enjoy 24-hour online access to your business accounts and services at M&T. Here is an overview of the online business services that will be available to you. Free M&T Web Banking for Business Account Access: View balance information for your M&T business deposit accounts, most business loans and lines of credit, and other accounts. You can assign multiple users with varying levels of access Payments and Transfers: Schedule one-time and recurring bill payments, make same-day payments to M&T loans and lines of credit, transfer funds between your M&T business accounts, and more. Tell us when you want the payment to arrive, and we ll deduct the funds and send them out Account History: You will be able to access your historical transactions and information through Wilmington Trust On-Line Banking for 90 days following conversion. Additionally, your payee information, bill payment history and transfer history will be available for you to view at M&T once you are enrolled in M&T Web Banking for Business If you are just getting started with online access for your business accounts, go to to learn more about M&T Web Banking for Business. You can even enroll online right from after conversion If you access your account information using Quicken or QuickBooks, visit and click on Online Services for more information. For More Information WATCH FOR: See the separate s that will be sent to registered customers of Wilmington Trust On-Line Banking about how to sign on to your new service. 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 for Business, and you will continue to log in at wilmingtontrust.com. M&T will automatically enroll you in M&T Web Banking for Business so it is available for you at your first login at wilmingtontrust.com following conversion. If you are a Wealth Advisory Services or Brokerage client, please call your Relationship Manager with any questions. ACTION STEP: See the letter at the front of this guide for sign on instructions and information about access to your accounts during conversion weekend. ACTION STEP: Visit and click on On-Line Services for a preview of what M&T Web Banking for Business can do for you. Electronic Statements Receive your statements online for free instead of through the mail, and we ll send you an alert when they are ready Electronic statements look just like your paper statements. You can view, print and save them right to your computer You can have access to up to 24 months of electronic statements and M&T check images for your M&T accounts Please Note: Mobile Banking and Bank to Bank transfers will not be available on your business accounts at this time.

17 17 M&T Web InfoPLU$ If you are a registered user of Wilmington Trust Business On-Line Banking or Commercial On-Line Banking systems, your services will be converted to M&T Web InfoPLU$ on the conversion date. You may begin to use this service when you complete the required documentation. Designed for commercial clients with daily treasury management needs Services offered through M&T Web InfoPLU$ include ACH origination, wire transfers, account transfers, positive pay, previous day and intraday reporting, images of paid checks and other Treasury Management services WATCH YOUR MAIL: See the separate Treasury Management mailing that was sent to you about Web InfoPLU$. ACTION STEP: Visit click Commercial, then Information Services and check out Web InfoPLU$. Commercial and Treasury Management Customer Service Our professional representatives are happy to assist you with: Existing Treasury Management services New Treasury Management services Product training and usage information Technical assistance Transactions, including credit or balance inquiries Statement inquiries Maintenance requests M&T Business Telephone Banking Center Call toll-free: Secure, automated account access, 24 hours a day. You will need an M&T Check Card for Business and a PIN (Personal Identification Number) in order to access your accounts Business Banking representatives are available to assist you during these hours: - Monday-Friday, 7am-7pm ET - Saturday, 9am-5pm ET Services available to you: - Obtain information about your M&T business accounts - Transfer funds between linked M&T business accounts - Apply for a business loan, or get information about available credit solutions - Make a stop payment request Information on brokerage accounts is available by calling M&T Securities, Inc.* at , option 1 Important Information Telephone Bill Payment service will no longer be available as of the conversion date. Bill payments can be processed through M&T Web Banking for Business. More information on M&T Web Banking for Business and Bill Payment can be found on page 16 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 M&T Check Card for Business and PIN. For personal service with a telephone service agent, you will need your account number and SSN M&T Commercial Service Team Monday Friday 8am 6pm ET * Brokerage services are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.

18 18 Your New M&T Accounts and Services u Your new M&T accounts and services Checking Accounts Savings and Money Market Accounts Certificate of Deposit Accounts (CDs) Commercial and Business Lending Treasury Management Services A Note about Your New Commercial and Business 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 accounts to M&T accounts that offer similar features and benefits to you. In some cases, your Relationship Manager will contact you directly with information about your new accounts and services, or you ll receive separate mailings with details about your new accounts and services, as well as agreements, authorizations and other forms that need to be signed and returned. We re here to answer your questions along the way See the back cover of this guide for contact information.

19 19 Checking Accounts Please review this general information about the transition of your business checking account: Statements for the month of conversion: You will receive one statement for your account covering the period from your last statement date to the conversion date, including transactions and any interest earned. You will also receive a second statement covering the period from the conversion date to your next regular statement date. Future statements after conversion: You will receive your statements at month end. If you receive images of your original paid checks with your statements today, you will receive images of the fronts and backs of your paid checks with your statements at no charge after conversion. All other customers will have copies of their checks held through M&T s Check Safekeeping, a check retention service. Your company may view and print copies of paid checks by enrolling in M&T Web Banking for Business or M&T Web InfoPLU$. Electronic statements are also available. For more information on electronic options, see page 16. Fees: All business deposit account service charges and fees will be accumulated throughout the calendar month and assessed to your account on or about the sixth business day of the following month. Many account fees are outlined in the chart beginning on page 20 and a complete fee schedule is included in the Commercial Deposit Account Terms and Conditions section of this guide. Returns: M&T s standard treatment of returned deposit items is to mail all returned items via U.S. mail and debit the customer s account for the amount of the item. If you have items returned for overdraft or insufficient funds automatically represented one time, you will continue to receive this service. Following the conversion, you will begin to see these transactions post to your account as the items are debited (return) and credited (redeposit). If you receive a notification phone call for a returned item today, you will continue to receive a call from M&T s Returns Customer Service group. If you have requested that returned items not be charged against your account, but rather be re-routed to another financial institution for process/ collection, M&T will continue to honor this arrangement. M&T will continue to provide location number reporting, as well as mail duplicate notices, for those customers that have these services today. If you elect to receive M&T s Returns Special Handling Services after conversion, your pricing for this service will remain the same as it is at the time of conversion. Overdrafts: The insufficient funds (NSF) fee is $35. In addition, if your company fails to repay a negative balance in the account in a timely manner, a $10 extended overdraft fee will be charged for every 5 consecutive business days that the account remains overdrawn for up to 40 business days. Neither of these fees will apply to IOLTA accounts converted to M&T. For more information on when these fees apply, please see the fee schedule and the Notice Regarding Overdrafts Business Checking Accounts in the Commercial Deposit Account Terms and Conditions section. Note that if your company has a business or commercial overdraft line of credit, it will be replaced by a similar line of credit at M&T. Funds availability: After conversion, the availability of funds deposited into your account will be based on M&T s commercial funds availability disclosure (see the Commercial Deposit Account Terms and Conditions section). Ask your Relationship Manager about M&T s Business Fast Funds an innovative service that allows you to use your savings, money market and time deposit balances to receive faster availability of funds in your business checking account.

20 20 Your New M&T Accounts and Services Business Checking Accounts For the name of your new account, see the letter at the front of this guide. Your New M&T Account M&T Free Business Checking Highlights of Your New Account u No monthly service fee u There will continue to be: - No charge for the first 250 transaction items* per month - $0.30 for each transaction item in excess of No charge for currency deposits u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account M&T Advanced Business Checking u No monthly service fee with an average Daily Collected Balance in this account for the month of $1,500 or more u Otherwise, a $15 monthly service fee will apply u No fee for the first 250 transaction items* per month, $0.25 for each additional item - Please Note: No fee for first 750 transaction items* per month, with an Average Daily Collected Balance of $15,000 or more u There will continue to be no charge for currency deposits u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account Commercial Checking u Earnings credits: - Will be awarded on collected balances based on the following tiers: $ $24, $25,000 - $ $50, May be used to offset transaction and Treasury Management service fees, other than insufficient funds (NSF) fees - Rates are variable, set at M&T s discretion and subject to change - Tiers may sometimes have the same earnings credit rate u $20.00 monthly service fee u No fee for the first $10,000 in cash deposits per month, $0.20 per $100 for additional cash deposited u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account * Note that ACH debits and credits will count as transaction items for purposes of determining fees based on the number of transactions. Transaction items also include checks paid, checks deposited and deposit tickets. For detailed information please read the Commercial Deposit Account Terms and Conditions section.

21 21 Your New M&T Account IOLTA NOW Highlights of Your New Account u You may continue to use the account as you do today u Monthly service fees may be deducted from interest earned on the account u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account M&T Business Interest Checking u No monthly service fee with an Average Daily Collected Balance for the month of $2,500 or more. Otherwise, the monthly service fee remains $10 u There will continue to be no per transaction item* charges and no charges for currency deposits u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account u Earnings credits: - Will be awarded on collected balances - May be used to offset any future Treasury Management or other service fees, other than insufficient funds (NSF) fees - Rates are variable, set at M&T s discretion and subject to change u Interest rates may change daily, are not tied to any index, and are set at M&T s discretion. Interest rates are tiered but the rates for different tiers may sometimes be the same. The collected balance at the end of the day must be at least $500 to earn interest for that day. Earned interest will be compounded and credited monthly Overdraft Protection Plans M&T offers overdraft protection options for all types of checking accounts. If you currently have multiple accounts linked as overdraft protection for one checking account, only one link will be maintained at conversion Likewise, if you have one account linked as overdraft protection for multiple checking accounts, a link to only one checking account can be maintained If you have a business credit card linked as overdraft protection for a checking account, that overdraft link will no longer be available at conversion. However, your credit card overdraft protection will be replaced with a Business Overdraft Line of Credit If you have a line of credit linked as overdraft protection for a checking account, that link will remain Visit your branch or call the M&T Business Telephone Banking Center at for assistance after conversion.

22 22 Your New M&T Accounts and Services Business Checking Accounts For the name of your new account, see the letter at the front of this guide. Your New M&T Account Business Sweep Checking I Highlights of Your New Account u Favorable Fee Structure: - No annual fee - $8.00 monthly service fee, regardless of balance - No fee for the first 300 transaction items* per month, $0.30 for each additional item - There will continue to be no charge for currency deposits u Please see the Commercial Deposit Account Terms and Conditions section for a complete list of fees that apply to the account u Sweep Function: - Your new M&T account will have sweep functionality. We have sent you separate mailings with new agreements and detailed information about the features and terms of M&T s service. If you have not already done so, please be sure to sign and return the required agreements and documentation to ensure that you will have sweep service after conversion - If your account is set up with a link to an FDIC insured bank money market savings account: Your new M&T account will have a link to an M&T Business Sweep Money Market Savings account. See page 24 Your daily target balance for your checking account remains the same, and balances in excess of the daily target will be swept into your money market account If the balance in your checking account is not enough to cover your transactions, funds will be swept back from your money market account to your checking account to cover the shortfall, and to restore its balance to the daily target If you have six automated transfers from your money market account to your checking account within one calendar month, the total balance in your money market account will transfer back to your checking account and your automated sweep function will be turned off until the beginning of the next calendar month - If your account is set up with a link to a non-fdic insured Wilmington Prime Fund investment account, it will continue after conversion Master Escrow DDA u Fees for this account will remain the same u Funds can be allocated via fax only u You will receive a separate mailing with a new Master Escrow account number * Note that ACH debits and credits will count as transaction items for purposes of determining fees based on the number of transactions. Transaction items also include checks paid, checks deposited and deposit tickets. For detailed information please read the Commercial Deposit Account Terms and Conditions section.