1There is no monthly maintenance charge, but other transaction and service fees, including insufficient funds and overdraft fees, may apply to this account.
2On the day your MyChoice Money Market account is opened, and on the last day of each monthly interest payment cycle, we
will determine whether your account will receive the Regular Interest Rate or the Premium Interest Rate (both of which may change daily) during the upcoming monthly interest payment
cycle. To qualify for the Premium Interest Rate, you must (1) have a MyChoice Premium Checking, Power Checking or Portfolio Management Account, and (2) have made 3 or more qualifying
customer-initiated transactions in that checking account during that account's most recently completed monthly maintenance charge cycle. Qualifying customer-initiated transactions include
deposits, withdrawals, M&T Web Bill Pay transactions, automatic payments, debit card purchases and payments, and direct deposits. Transfers and payments to other accounts at M&T Bank
(including loans and lines of credit) are excluded. Reversals of transactions will be netted against the qualifying transactions. Transactions cannot be aggregated across multiple
checking accounts for purposes of meeting this requirement. (Note: If your MyChoice Premium Checking or Portfolio Management Account has been open for less than one monthly service
charge cycle on any day we determine the applicable interest rate, your MyChoice Money Market account will receive the Premium Interest Rate during the upcoming monthly interest payment cycle.)
3There is no monthly maintenance charge for MyChoice Money Market account if either requirement is met, but other transaction and service fees, including
insufficient funds and overdraft fees, may apply to this account.