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. Overdraft protection must be established before the end of the month following account opening. Bonus will be credited to the account within 90 days of account opening 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. Fees may apply to use of overdraft protection services. Overdraft Lines of Credit subject to credit approval.

3. One cash bonus per personal checking account for making three bill payments using M&T Web Bill Pay before the end of the month following account opening. Bonus will be credited to the account within 90 days of account opening 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.

© 2010 M&T Bank. Member FDIC.