The following Custom Add-ons are available only with personal
checking accounts, and may have a fee associated with them:
No M&T Fee at Other Banks’ ATMs:
M&T will not charge you to access your account at non-M&T ATMs
in the 50 United States and Washington, D.C. The standard monthly subscription fee is $4.95. This Custom Add-on is not available
for EZChoice Checking accounts.
Refund of Other Banks’ ATM Fee:
M&T will reimburse the checking account (up to $2 per transaction) for the amount
of any fee charged by another bank or ATM operator to use its ATMs in the 50 United States and Washington, D.C. The standard
monthly subscription fee is $4.95. Enrollment in this Custom Add-on requires enrollment in the above Custom Add-on (No M&T Fee
at Other Banks’ ATMs) as well. This Custom Add-on is only available for MyChoice Premium Checking and MyChoice Plus Checking
No Fee for Overdraft Protection Transfers:
No fee for automatic overdraft transfers from your overdraft protection
account (savings, checking, line of credit or credit card) to your checking account. Enrollment in this Custom Add-on does not
guarantee payment of overdrafts if there is not sufficient money in your overdraft protection account. In that situation, NSF or
overdraft fees may apply. The standard monthly subscription fee is $4.95. This Custom Add-on is not available for EZChoice Checking
Enrollment in this Custom Add-on requires an open and linked overdraft protection account. If you enroll in Overdraft Protection
with your M&T Visa® Credit Card, or have a linked overdraft line of credit, your overdraft transfers will accrue interest at
the applicable APR stated in your credit card or line of credit agreement. Please refer to your credit card or line of credit
agreement for additional details.
For new overdraft protection accounts linked to an M&T Visa® Credit Card or an overdraft line of credit, which are subject to
credit approval, the rates and fees as of 5/1/15 are as follows:
Standard Checks & Safe Deposit Box:
Credit card: 0% Introductory APR on balance transfers for the first 12 billing cycles. After 12 billing cycles, your
rate for balance transfers will be the same as your purchase rate, and will vary with the market based on the Prime Rate.
As of 5/1/15, the Annual Percentage Rate for purchases and balance transfers was between 10.24% and17.24% for M&T Visa®
Credit Cards, between 11.24% and 18.24% for M&T Visa® Credit Card with Rewards and between 14.24% and 18.24% for M&T
Visa® Signature Credit Cards, depending on creditworthiness. Your rate for cash advances will be 22.24% and will vary with
the market based on the Prime Rate. Your rate for overdraft advances will be 22.24% and will vary with the market based
on the Prime Rate. A fee of 4% ($10 minimum) of the amount of each balance transfer will apply. A fee of 3% ($10 minimum)
of each cash advance transaction will apply. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking
account (waived if one of your selected Custom Add-ons). A fee of 3% of each foreign transaction converted into U.S. dollars
will apply (except for M&T Visa® Signature Credit Cards). For any introductory balance transfer offer, the offer period
begins at account opening.
Overdraft Line of Credit: 18% APR. A fee for using a credit line check of 2% of each transaction (minimum $2, maximum
$20) will apply. A fee of $12.50 will apply to each transfer made by telephone or through Online banking. A fee of $12.50 per
day will apply to any overdraft transfers to a linked checking account (waived if one of your selected Custom Add-ons).
Two orders of standard checks per year (from the date of enrollment) and 50% discount
on additional check orders and other check styles. Waiver of annual rental fee of $50 or less for one safe deposit box; or 50% discount
on the annual rental fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200). Due to the nature of
this benefit, enrollment in this Custom Add-on cannot be canceled for 12 months. The standard monthly subscription fee is $4.95. The
standard monthly subscription fee is $4.95. This Custom Add-on is not available for EZChoice Checking accounts. Location of safe deposit
boxes subject to availability.
Log in to M&T Online Banking to view your FICO® Credit Score and the top two factors affecting
your score (provided by Equifax). Your FICO Credit Score will only be updated once a month. Please keep in mind it can change
more frequently. The standard monthly subscription fee is $2.99 per user. The monthly fee will not be charged until you complete
your enrollment. When your enrollment is complete, you will be charged beginning on the last day of each monthly service charge
cycle for your account. You may cancel at any time; however, we do not provide partial or prorated refunds. Your price may be
lower depending on your checking account type and your Custom Add-on selections. FICO® is a registered trademark of the
Fair Isaac Corporation. The FICO Credit Score is a proprietary credit model designed by Fair Isaac calculated using the information
contained in your Equifax Credit File. The FICO Credit Score is intended solely for your educational use
are numerous credit scores and models available in the marketplace and lenders and other credit score users, including M&T Bank,
are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items
other than your credit score or information found in your credit file, such as your income. FICO Credit Score and Key Factors
affecting your score are provided by Equifax. View the M&T Online Banking Agreement for full details. Equifax® is a
registered trademark of Equifax Inc. ©2016, Equifax Inc., Atlanta, Georgia. All rights reserved.
Custom Add-ons (except benefits relating to safe deposit boxes – which applies to one box – and Credit Score – which applies to one
account owner) will apply only to the associated personal checking account, and you will need the appropriate services and accounts
to take advantage of the Custom Add-ons. For example, you will need an M&T ATM Card or M&T Debit Card for Custom Add-ons
relating to ATM fees, and you will need to take additional steps to enroll in Credit Score, order checks, open and link an overdraft
protection account and open a safe deposit box.
Any fee for the Custom Add-ons chosen will be charged beginning on the last day of each monthly service charge cycle for your
account, regardless of whether you take advantage of the Custom Add-on in a given month. Employees of M&T Bank and its affiliates
receive Credit Score at no charge when linked to the M&T checking account into which the employee's pay is directly deposited.
MyChoice Plus Checking and MyChoice Plus Checking With Interest accounts qualify for 2 Custom Add-ons at no monthly subscription
fee. MyChoice Premium Checking accounts qualify for 4 Custom Add-ons at no monthly subscription fee. These customers can enroll in
additional Custom Add-ons for the standard monthly subscription fees shown above.
To determine which Custom Add-ons may be right for you, please consider the standard cost of the service covered by the Custom
Add-on as well as how often you expect to use that service compared to the cost, if any, of the Custom Add-on in your particular