1. One cash bonus per personal checking account for activating direct deposit within 90 days of account opening. Bonus will be credited to the account after the first direct deposit is made and is reportable for tax purposes. Bonus offer is not available on all checking accounts, may vary by product and region, is limited to one per customer, is subject to change at any time at our sole discretion without notice, and is not available to employees of M&T Bank or any of its affiliates.

2. One cash bonus per personal checking account for establishing overdraft protection either through a link to an M&T savings account or an Overdraft Line of Credit. Checking account must be opened between 9/3/09 and 12/31/09, and overdraft protection must be established by 1/31/10. Bonus will be credited to the account by 2/28/10 and is reportable for tax purposes. Bonus offer is for new checking account customers only, is limited to one per customer, may vary by region, is subject to change at any time at our sole discretion without notice, and is not available to employees of M&T Bank or any of its affiliates. Overdraft Lines of Credit subject to credit approval.

3. M&T Web Bill Pay is free if the account you designate as your M&T Web Bill Pay billing account is (1) a Power Checking, M&T Select, M&T Direct Checking, M&T Classic Checking With Interest, M&T @ Work Checking, @College Checking or M&T Portfolio Management Account, (2) any checking account opened through our online application, or (3) any checking account opened in M&T Bank's Finger Lakes, Greater Baltimore or Greater Washington areas.

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