NOTICE. BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO, YOU SHOULD CAREFULLY READ THE FOLLOWING DISCLAIMERS AND
IMPORTANT TERMS AND CONDITIONS. THE SITES ARE PROVIDED FOR INFORMATION PURPOSES ONLY. YOUR USE OF ANY OF THE SITES CONSTITUTES YOUR AGREEMENT TO
ALL TERMS AND CONDITIONS HEREIN. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY WEB PAGES THEREIN.
AGREEMENT. This Agreement describes the terms and conditions on which M&T Bank allows access and use of sites operated by M&T Bank
(a/k/a Manufacturers and Traders Trust Company), its parent (M&T Bank Corporation), its subsidiaries and affiliates (collectively, "M&T")
(collectively, including any of the services made a part of or available through the Sites and any of its web pages, the "Sites").
Some of the M&T web pages on the Sites may provide services, features or offers under their own terms and conditions of use and you agree to
those sections or pages.
LIMITED LICENSE. M&T grants you a non-exclusive, non-transferable, limited license to access, use and display the Sites and the information,
graphics, content and materials thereon ("Content") and any software that may be necessary to use the Sites. You acknowledge and agree that
the Sites and the Content are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws and are provided
only for your personal, non-commercial use. You are also granted a limited license to print copies of any Content posted at the Sites, but only
for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. You may not display the Sites, or any portion
thereof, in frames (or any of the Content via on-line links) without our express written permission.
TRADEMARKS. M&T and Wilmington Trust are registered United States trademarks. M&T also claims rights in certain other trademarks and service
marks contained and displayed in the Sites. Use of any of M&T’s trademarks or service marks without prior written consent is strictly prohibited.
USE OF CONTENT. Product offers, rates, terms and other Content provided at the Sites are subject to change without notice. Your eligibility
for particular products and services is subject to M&T's review and acceptance. Investment Services are not bank deposits or insured by the
FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested. Not all of the products and
services described at the Sites are available in all geographic areas.
DISCLAIMERS. M&T IS NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS (INCLUDING TYPOGRAPHICAL ERRORS) OR OMISSIONS, OR FOR THE RESULTS OBTAINED FROM
THE USE OF THE SITES OR THE CONTENT. THE SITES, ALL CONTENT, LINKS AND ANY OF THE SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES ARE PROVIDED
"AS IS" AND "AS AVAILABLE", WITH NO GUARANTEE OF COMPLETENESS, ACCURACY (EITHER WHEN POSTED OR WITH THE PASSAGE OF TIME), TIMELINESS OR OF THE
RESULTS OBTAINED THEREFROM, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF TITLE,
NON-INFRINGEMENT, PERFORMANCE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE. IN ADDITION, M&T MAKES NO REPRESENTATIONS,
WARRANTIES OR GUARANTEES THAT THE SITES WILL BE SECURE, ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE. YOU AGREE THAT UNDER NO
CIRCUMSTANCE WILL M&T OR OUR AGENTS, OFFICERS OR EMPLOYEES THEREOF BE RESPONSIBLE FOR OR LIABLE TO YOU OR ANYONE ELSE FOR: ANY CONTENT CONTAINED
ON OR OMITTED FROM THE SITES; ANY PERSON'S RELIANCE ON ANY SUCH CONTENT, WHETHER OR NOT THE CONTENT IS COMPLETE, CURRENT OR CORRECT; ANY VIRUSES
OR DEFECTS THAT MAY BE FOUND TO EXISTS IN THE SITES, THE CONSEQUENCES OF ANY DECISION YOU OR ANY OTHER PERSON TAKES OR FAILS TO TAKE WHETHER OR
NOT BASED ON CONTENT PROVIDED BY OR RESULTING FROM USE OF THE SITES. THE CONTENT, AND ANY ADVICE RECEIVED VIA THE SITES, IS NOT INTENDED, AND
SHOULD NOT BE RELIED UPON, FOR PERSONAL, LEGAL, TAX OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE
REMEDY IS TO DISCONTINUE USING THE SITES.
LIMIT ON DAMAGES. M&T AND OUR AGENTS, OFFICERS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, INTERRUPTION
OF BUSINESS, NOR FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OF ANY KIND, WHETHER UNDER THIS AGREEMENT OR OTHERWISE
ARISING IN ANY WAY IN CONNECTION WITH OR RELATED TO THE SITES, ANY SOFTWARE USED TO ACCESS THE SITES, ANY OF THE SERVICES AVAILABLE THROUGH THE
SITES OR THE CONTENT, YOUR RELIANCE ON, USE OF OR INABILITY TO USE THE SITES, OR ANY ERROR, OMISSION, INTERRUPTION, OR DELAY IN OPERATION, OR ANY
COMPUTER VIRUS OR SYSTEM FAILURE, REGARDLESS OF WHETHER SUCH CLAIM ARISES UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE AND
REGARDLESS OF WHETHER M&T IS ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF
INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION OR LIMITATION MAY NOT APPLY TO YOU.
LINKS TO THIRD PARTY SITES. As a convenience to you, M&T may provide links to Web sites operated by entities other than M&T ("Linked Sites").
The Linked Sites are not under the control of M&T. If you use a Linked Site, you will leave the Sites. If you decide to visit any Linked Sites,
you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements
and understand the privacy policies of the Linked Sites. M&T makes no warranty or representation regarding, and does not endorse nor is
responsible for any Linked Site, the information appearing thereon or any of the products or services described thereon. Linked Sites may have a
M&T sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol
displayed in or accessible through the links, or that any Linked Site is authorized to use any trademark, trade name, logo or copyright symbol of
SUBMISSIONS. All information you submit to M&T via the Sites will be considered to be the property of M&T, and M&T is free to utilize any
information you submit for any purpose.
INTERNET E-MAIL. M&T strongly discourages the use of ordinary e-mail systems to communicate with M&T. Ordinary e-mail systems and messages may
be vulnerable to interception, alteration and loss. M&T will not be responsible to anyone for any damages arising out of or in connection with
any email sent to M&T using e-mail.
INDEMNITY. You agree to indemnify M&T and its directors, officers and employees against any liabilities, losses, expenses or other costs M&T
incurs arising from a breach of any of the terms hereof by you and for the content of any message sent using email.
NEWS SERVICES; ADVERTISERS. M&T does not warrant, endorse or guarantee any information provided through any news service on the Sites or any
product or services advertised on the Sites. M&T will not be a party to any transaction between you and any news service or any advertiser or
user. M&T does not assume the responsibility of monitoring the use of trademarks, copyrights or other rights of news service, advertisers or
other third parties.
SUSPENSION AND TERMINATION. M&T may modify, terminate and/or suspend your access to the Sites, the related services or any portion thereof at
any time, without notice. M&T may also impose limits on certain features and services or restrict your access to parts or all of the Sites
without notice or liability. M&T may also at any time discontinue providing the Sites, or any part thereof, with or without notice.
AMENDMENTS; MODIFICATIONS. M&T reserves the right to change, modify, add or remove any portion of this Agreement in whole or in part, at any
time, by posting the amended terms on the Sites. The new terms shall automatically be effective and binding on you 15 days after they are
initially posted on the Sites. Your continued use of the Sites after any changes to this Agreement are posted will be considered acceptance of
those changes. This Agreement may not otherwise be amended.
GOVERNING LAW. This Agreement is governed by the laws of the State of New York, U.S.A., without regard to its principles of conflict of laws.
The Sites are not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use
would be contrary to local law or regulation, would subject M&T to any liability or would not give effect to all of the provisions in this
Agreement. You may not access the Sites or the Content where such access is illegal or prohibited or where such access would subject M&T or its
affiliates to any liability.
USE FOR ILLEGAL ACTIVITIES PROHIBITED. It is prohibited to use the Sites in violation of the terms herein, in any manner which could damage,
disable, interrupt, overburden, or impair the Sites or interfere with any other party's use and enjoyment of the Sites or for any illegal
activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other
networks or computers, trafficking in illegal products or substances, disobeying trade restrictions, violating civil rights laws or knowledgeable
vandalism or destruction of online files. You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of
the Sites including U.S. export laws and regulations, which regulate the distribution of materials and services originating in the United States.
AGREEMENT TO ARBITRATE. All disputes relating to this Agreement, use of the Sites or the Content shall be subject to final and binding arbitration,
with the losing party paying all costs of arbitration. Any arbitration relating to this Agreement shall be held in Erie County New York, under the
rules of the American Arbitration Association.
COMPLETE AGREEMENT/NO REPRESENTATIONS. This Agreement constitutes the entire agreement between you and M&T relating to your access to and use of
the Sites. M&T's failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on M&T's part to
exercise any power or right given to M&T in this Agreement, or a continued course of such conduct on M&T's part, shall at no time operate as a
waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to M&T
in this Agreement are cumulative and not exclusive of any other rights or remedies which M&T otherwise has at law or equity. Any rights not
otherwise expressly granted by this Agreement are reserved by M&T. Captions are for convenience only. If any part of this Agreement is determined
to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set
forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches
the intent of the original provision and the remainder of the Agreement shall continue in effect. The provisions of this Agreement which
expressly or by implication are intended to survive its termination will survive and continue to bind both you and M&T.