FOURTH QUARTER 2015 M&T BANK CUSTOMER SATISFACTION SURVEY SWEEPSTAKES
NO PURCHASE OR CONSIDERATION IS NECESSARY TO ENTER THE SWEEPSTAKES OR TO WIN A PRIZE. Completion of the Survey (defined below) will not
improve an entrant's chances of winning a prize. The Fourth Quarter 2015 M&T Bank Customer Satisfaction Survey Sweepstakes ("Sweepstakes") starts
at 12:01 a.m. ET on October 1, 2015 and ends at 11:59 p.m. ET on December 31, 2015 ("Promotion Period").
ENTRY: You will be automatically entered into the Sweepstakes when you complete and submit The Fourth Quarter 2015 M&T Bank Customer
Satisfaction Survey ("Survey"). This method of entry is referred to herein as the "On-Line Entry Method". The Survey is available at the
following website: https://www.mandtbanksurvey.com. Should you wish to enter without utilizing the On-Line Entry Method
(that is, without completing the Survey), you may do so by hand-printing your name, address, age, and e-mail address on a 3" x 5" paper and mailing it to: Fourth Quarter 2015 M&T Bank Customer Satisfaction Survey Alternate Entry, P.O. Box 6000, Clear Lake, MN 55319 (this method of
entry is referred to herein as the "Alternate Entry Method"). You may complete multiple Surveys or complete multiple entries
by the Alternate Entry Method, or both, during the Promotion Period and you will receive an entry into the Sweepstakes each time you complete a
Survey and each time we receive an Alternate Entry Method submittal from you. The Sweepstakes is sponsored by M&T Bank ("Sponsor").
Sponsor is not responsible for illegible, lost, late or misdirected or postage-due entries, or for phone, electronic, network, computer, hardware
or software malfunctions, failures or difficulties. The Sweepstakes ends on December 31, 2015 at 11:59 p.m. ET, which is the deadline for entries
completed by the On-Line Entry Method. Entries completed by the Alternate Entry Method must be postmarked by December 31, 2015 and received by
January 7, 2016.
PRIZES: One (1) Grand Prize of $500 and five (5) First Prizes of $100 each (collectively, the "Prizes" or, if individually, the "Prize")
are available to be won. The total estimated retail value of all Prizes to be awarded is $1,000. Prizes may not be transferred or exchanged
except at the discretion of the Sponsor. Taxes are the sole responsibility of each of the Prize winners ("Winners" or, if referenced individually,
each a "Winner"). Winners may be required to sign an IRS W-9 or its equivalent.
WINNER SELECTION: Winners will be determined on or about January 8, 2016 by Innovative Processing, Inc., an independent agency, in a
random drawing from all eligible entries received. Each entrant will be eligible to win only one Prize. Odds of winning the Sweepstakes will be
determined by the number of eligible entries received by both methods of entry. Winners will be notified by mail, phone, and/or e-mail. Return or
rejection of the Prize notification within 5 days for any reason will cause the Prize to be forfeited and awarded to an alternate winner
(also randomly selected from all eligible entries).
ELIGIBILITY: The Sweepstakes is open to legal residents of the 50 U.S. States and the District of Columbia who are 18 years of age or
older at the time of entry. Employees (and their immediate families and persons who reside in the same household) of M&T Bank,
MaritzCX and Innovative Processing, Inc. (collectively, the "Sweepstakes Entities"), their parents, subsidiaries, affiliated companies, agencies, associates, clients
and suppliers are not eligible to enter into or win the Sweepstakes.
GENERAL: Void where prohibited. By entering the Sweepstakes, you accept and agree to be bound by these rules and all decisions of the
Sweepstakes Entities, which are to be deemed final. Sweepstakes entrants assume all risk of loss, damage, destruction, delay or misdirection of
materials/mail/email submitted to Sponsor. Sponsor reserves the right, in its sole discretion, without prior notice and at any time, to cancel,
terminate or suspend the Sweepstakes should virus, bugs, non-authorized human intervention or other causes beyond the control of Sponsor corrupt
or impair the administration of the Sweepstakes. In such case, Sponsor may select the Winner from all eligible entries received prior to and/or
after (if applicable) the action taken by Sponsor. At its sole discretion, Sponsor may disqualify any person whom it considers to have
intentionally violated these Official Rules or any element of the Sweepstakes. Sponsor may prohibit an entrant from participating in the
Sweepstakes or winning a Prize if, in its sole discretion, it determines that said entrant is attempting to undermine the legitimate operation of
the Sweepstakes by cheating, hacking, deception (including the use of automated quick entry programs) or other unfair playing practices or
intending to annoy, abuse, threaten or harass any other entrants or the Sweepstakes Entities. By participating, entrants agree to be bound by
these Official Rules and the decisions of Sponsor or the other Sweepstakes Entities and to waive any right to claim ambiguity in these Official
Rules. The Prizes will be awarded upon the condition that the Sweepstakes Entities shall have no liability whatsoever and shall be, and hereby
are, released, discharged, indemnified, and held harmless for any typographical or other error in printing, offering or announcement of any Prize
or for any injuries, losses, or damages of any kind to persons or property, including death, sustained, in whole or in part, directly or
indirectly, in connection with or resulting from participation in the Survey or the Sweepstakes, including, without limitation, the winning and/or
use of any Prize. Sweepstakes entrants agree to sign any documents that the Sponsor may request to evidence the foregoing. Without limiting the
foregoing, the Sweepstakes and the Prizes are provided "AS IS" without representation of warranty of any kind, either expressed or implied,
including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions
may not allow the limitations or exclusions of liability for incidental or consequential damages, or exclusion of the implied warranties, so some
of the aforementioned limitations or exclusions may not apply. Check local laws for any restrictions or conditions regarding these limitations
and/or exclusions. The Sweepstakes Entities are not responsible for technical, hardware, software or telephone failures of any kind, lost or
unavailable network connections, fraud, incomplete, garbled or delayed computer transmissions, whether caused by Sponsor, users or by any of the
equipment or programming associated with or utilized in the Sweepstakes, or by technical or human error which may occur and/or which may damage a
user's system, hardware or software or limit a participant's ability to participate in the Sweepstakes. CAUTION: ANY ATTEMPT BY AN ENTRANT TO
DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CIVIL LAW. SHOULD AN ATTEMPT BE MADE,
SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLET EXTENT PERMITTED BY LAW. Except where legally prohibited,
Winners grant (and agree to confirm they grant in writing) permission for Sponsor and those acting under its authority to use his/her name,
photograph, voice and/or likeness, for advertising, trade and/or publicity purposes without additional compensation. Sponsor reserves the right,
in its sole discretion, to cancel, terminate or suspend the Sweepstakes and will post notice of cancellation at https://www.mandtbanksurvey.com.
In the event of a dispute regarding Prize claims or entries received from multiple users having the same e-mail account, the Authorized
Subscriber (defined herein) of the e-mail account at the time of entry used to enter will be deemed to be the entrant and must comply with these
Official Rules. For purposes of the foregoing sentence, "Authorized Subscriber" is the natural person who is assigned the e-mail address by the
Internet Service Provider, on-line service provider, or other organization responsible for assigning e-mail addresses.
WINNERS LIST: For the names of the Winners, mail a self-addressed, stamped envelope, to be received before February 29, 2016, to:
Fourth Quarter 2015 M&T Bank Customer Satisfaction Survey Sweepstakes Winner List, P.O. Box 240, Clear Lake, MN 55319. Vermont residents may omit
APPLICABLE LAW: These rules are governed by the laws of the State of New York without giving effect to conflicts of law rules.
ARBITRATION: Except where prohibited by law, as a further condition of participating in the Sweepstakes, entrant agrees that (a) any and all
disputes and causes of action arising out of or connected with the Sweepstakes or any Prize awarded, shall be resolved individually, without resort
to any form of class action, and exclusively, by final and binding arbitration in accordance with the Federal Arbitration Act ("FAA", title 9 of the
United States Code) under the auspices of the American Arbitration Association ("AAA"); (b) the Federal Arbitration Act shall govern the
interpretation, enforcement and all proceedings at such arbitration; and (c) judgment upon such arbitration award may be entered in any court having
jurisdiction. YOU HAVE A RIGHT TO OPT-OUT OF THIS ARBITRATION PROVISION. IF YOU DO NOT AGREE TO THIS MANDATORY ARBITRATION PROVISION WITH REGARD TO
THIS PROMOTION, THEN WITHIN THIRTY (30) DAYS FROM THE DATE OF YOUR ENTRY, YOU MAY OPT-OUT OF THIS, AND ONLY THIS, PART OF THESE OFFICIAL RULES BY NOTIFYING
THE SPONSOR OF SUCH OPT-OUT REQUEST BY PROVIDING WRITTEN NOTICE AND MAILING SUCH NOTICE TO:
M&T BANK, REGULATORY SUPPORT, PO BOX 1468, BUFFALO, NEW YORK 14240-1468 (ATTN: ARBITRATION REJECTION). Under no circumstances will entrant be permitted
to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including
attorney's fees, and entrant further waives all rights to have damages multiplied or increased.
SPONSOR: M&T Bank, One M&T Plaza, Buffalo, NY 14203-2399.