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1 When opened as part of the Banking Built for Business Package, and provided all 4 components of the primary Banking Built for Business package are maintained and in good standing.

2 Transaction items include checks paid, checks deposited, deposit tickets and ACH credits and debits.

3 The core services of M&T Web Banking for Business are free for any eligible M&T business checking account, excluding M&T Free Business Checking that is designated as the billing account at enrollment or in the My Profile section of M&T Web Banking for Business.

4 One 1,250 bonus points award per customer, and per joint account. M&T Check Card or M&T Check Card for Business must be part of a Banking Built for Business bundle and customers will need to enroll in M&T Bank Rewards and make a qualifying purchase within 60 days. Only M&T Check Cards and M&T Check Cards for Business issued to residents of the United States and in good standing may be eligible to participate in M&T Bank Rewards. Additional exclusions of cards may apply. If you link your new checking account to a new card, we will automatically credit your bonus points to a new M&T Bank Rewards account. You can enroll your card and access your M&T Bank Rewards account by visiting www.mtb.com/rewards. If your new checking account is linked to a card with an existing M&T Bank Rewards account, the bonus points will be credited to this existing M&T Bank Rewards account. Special rules apply to joint accounts. It will generally take 6 to 8 weeks for bonus points to post to your account, but it may take up to 90 days. Once posted to your M&T Bank Rewards account, bonus points and points for qualifying purchases are available to you and anyone with a card linked to your M&T Bank Rewards account. All unredeemed points will expire at the end of the 48th month after the month they post to your account. A “qualifying purchase” is generally any signature-based purchase, Internet purchase, phone or mail order purchase, bill payment or small-dollar purchase (for which you are not required to sign) made with an enrolled M&T Check Card. Qualifying purchases do not include, among other things, any purchase made using a personal identification number (PIN) or identification technology that substitutes for a PIN. Do not use a PIN when paying for your purchases if you want to earn points. Additional restrictions apply. We reserve the right to determine whether a transaction is a qualifying purchase. For more information, see the M&T Bank Rewards Terms and Conditions at www.mtb.com/rewards.

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