M&T Bank Corporation's Transfer Agent:

First Class, Registered and Certified Mail:

P.O. Box 30170
College Station, TX 77842-3170

Overnight and Courier Mail:

211 Quality Circle, Suite 210
College Station, TX 77845

When writing, please include the exact name as it appears on the registration of your shares, your social security number, account number and address.

M&T Bank Corporation's Shareholder Relations Department:

Jessica A. Theal
Assistant Vice President and Shareholder Relations Administrator

Marie King
Group Vice President and Corporate Secretary

One M&T Plaza
8th Floor
Buffalo, NY 14203-2399
(716) 842-5138

M&T Bank Corporation's Investor Relations Department:
If you are an equity analyst or have questions on the Corporation's financial performance then contact:

Donald J. MacLeod
Administrative Vice President, Assistant Secretary and Director of Investor Relations
(716) 842-5462

All other general inquiries may be directed to (716) 635-4000